≡ Menu

≡ Menu

Life Insurance

Accelerated underwriting and automated underwriting are ways that insurance companies can help clients avoid the life insurance medical exam and still provide the company’s underwriter with enough information to make an informed decision on what health rating to offer the prospective client. One of the principle benefits of accelerated underwriting is you can still get […] Read more

40 Year Term Life Insurance

40 year term life insurance is relatively new to the life insurance marketplace. What you will find is there are not a lot of top life insurance companies offering it yet. The few that do will set the stage for other insurance companies following along if the product is successful. 40 Year Term Life Insurance […] Read more

Universal Life Insurance Pros and Cons

Most articles about life insurance discuss two basic policy types:  term life and whole life.  And, for a long time, those were the only options. Beginning in the 1980s, though, a new form of permanent life insurance came on the scene—universal life (or “UL”).  UL often gets left out of the conversation, probably because it’s […] Read more

In this article, we want to take a moment and discuss some of the differences you’ll find between life insurance policies that will require you to take a medical exam vs. those that won’t. And since we… Here at IBUSA offer both “types” of life insurance policies, our goal isn’t going to be to try […] Read more

A one million dollar life insurance policy may seem like a lot at first blush but when you think about how far a dollar can go nowadays, $1,000,000 of life insurance coverage might just be what you need. When determining how much a million dollar life insurance policy costs it is important to know that […] Read more

At IBUSA, we are not married to any one type of life insurance and we certainly do not always recommend you “Buy term and invest the difference.” Why is that, you may ask. The main reason is, we are not trying to sell you a quick and easy term insurance policy and move on to […] Read more

Nevada Mortality Rates

Mortality Rates in Nevada Nevada Population: 3,080,156 (32nd highest) Population Density: 28.59 per square mile (40th most dense) Median Age:  38.3 (32nd oldest) Deaths Per Year:  24,715 Annual Deaths Per 100,000: 814.5 Life Expectancy at Birth:  77.9 years (18th lowest) Fertility Rate (births per 1,000 women age 15-44): 58.3 (26th highest rate) Leading Causes of […] Read more

Life Insurance Policy Definition: A contract between two parties, the owner and insurer, where the owner promises to pay a premium to the insurer, in return the insurer promises to pay a death benefit to the owner’s beneficiary upon the death of the insured. There are various types of life insurance policies, but the two […] Read more

If you are considering term life from one of the best life insurance companies in the US, you will need to make a decision on the term length and the face amount of the policy. How Much Term Life Do You Need How much life insurance you need is a personal choice, but one that […] Read more

Life Insurance for Seniors Over 80

Typically, when someone begins looking for a life insurance policy at the age of 80 or above, what they’re usually looking to purchase is a final expense or burial life insurance policy. This way… When the inevitable happens, there will be a small whole life insurance policy in place that can help their loved ones […] Read more