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Denied Life Insurance

Typically, when one thinks about applying for a traditional term or whole life insurance policy (vs. a burial life insurance policy), the general expectation will be that one will qualify for the coverage or won’t. And sure… There will be those that may be approved for coverage at a rate “other than” what they were […] Read more

Here at IBUSA, we’ll often have clients give us a call after they have already had their first (and sometimes second) life insurance application declined or postponed. As a result, we’ve gained a lot of experience helping those who have had a difficult time qualifying for life insurance in the past. This is why… We […] Read more

Accidental Overdose and Life Insurance Seeing how that in 2019, more than 69,000 people died from an accidental overdose in America alone, it’s no wonder what was once an uncommon question asked by an individual now becomes a “somewhat” common topic. Particularly when someone is looking to purchase a life insurance policy on another person! […] Read more

It seems like nowadays just about any time you turn on the TV or Radio, within a few minutes, you’re going to find yourself listening to a commercial telling you just how cheap and easy it will be to qualify for a term life insurance policy. And while… There is nothing “inherently” untrue about what […] Read more

Seeing how in 2016 alone nearly 1 million drivers were arrested under the influence, it’s not all that difficult to imagine why we here at IBUSA get so many folks calling us asking… “If their previous DUI is going to prevent them from being able to qualify for a traditional term or whole life insurance […] Read more

Life Insurance and Mental Health Issues. Here at IBUSA, we’ll often receive phone calls from folks asking if someone with “mental health issues” can qualify for a traditional term or whole life insurance policy. Now… This may seem like an easy question to answer, but the problem is that without an “official diagnosis,” we wouldn’t, […] Read more

Life Insurance with Kidney Cancer. In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after being diagnosed with Kidney Cancer. Questions that will be addressed will include: Can I qualify for life insurance if I have been diagnosed with […] Read more