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Life Insurance

Limited pay life insurance is a great asset that is often used by those interested in infinite banking or using it for a life insurance retirement plan. You see, one huge advantage of whole life vs other permanent life insurance products is fixed premiums. When you buy a policy, you know that, no matter how […] 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

Whole life insurance is a versatile financial asset.  You get the death benefit that usually comes to mind when most people think of life insurance.  And you also get whole life’s interest-earning cash value component. These dual benefits let a single policy serve as both a financial backstop in case of death and a tool […] 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

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

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

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

If you are in your 40s and you need coverage, the good news is many companies are offering life insurance without an exam, so you do not have to meet with an examiner face to face or provide blood and fluid samples. Further, these policies often offer the best life insurance rates, even though you […] Read more