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Life Insurance

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

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

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

For most people, term life insurance is going to be the best choice. It is inexpensive and easy to understand, and it does what it is supposed to do, provide a death benefit payout to a beneficiary if the insured dies prematurely. But term life is but one of the different types of life insurance […] Read more

Select Quote is one of the biggest independent life insurance brokers representing some of the best life insurance companies in the United States. Select Quote life insurance marketing materials emphasize their large network of insurance providers and reliance on online and telephone communications. Overall, their goal is to provide consumers convenient access to competitive premium […] Read more

Guaranteed issue life insurance means just that. If you meet a couple requirements, you are guaranteed to be accepted, which is why guaranteed issue is also known as guaranteed acceptance life insurance. The requirements are pretty simple. You must be within the age limits, typically ages 50-80, and you must reside in a state where […] Read more

When you purchase a term policy from any of the top life insurance companies, you will get coverage that has an end date. That is why, you have to make a decision at the outset on getting a longer term so you have guaranteed coverage for a longer period of time, or trying to 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

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