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Denied Life Insurance

Yes, some people who have had their life insurance application denied by one company may be able to reapply and qualify for coverage at a later date or with another company immediately. This is because… There are a lot of reasons why someone may have their life insurance application denied. And some of these “reasons” […] Read more

Because life insurance is something that one will need to be able to “qualify for,” some individuals will find themselves “ineligible” for coverage. This is why… We wanted to take a moment and discuss some of the options that may be available to someone who can’t “qualify” for traditional life insurance, as well as provide […] Read more

As the number of accidental drug overdoses continues to rise, it should come as no surprise that one of the most common questions we’ll often be asked here at IBUSA is… “Are accidental drug overdoses covered by life insurance?” And while this may seem like an easy “yes” or “no” question to answer, the truth […] Read more

Chances are if you’re wondering how long you will need to wait before you can “reapply” for life insurance, your latest attempt at getting insurance hasn’t worked out the way that you had hoped it would. Now, this may mean that…  Your latest attempt was denied, postponed, or approved at a much higher price than […] Read more

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 one won’t. And sure… There will be those that may be approved for coverage at a rate “other than” what they […] 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 easy and inexpensive it is to qualify for a tradition term life insurance policy with or without a medical exam. And while… There […] 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