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Best Life Insurance Rates

40 Year Term Life Insurance

Here at IBUSA, we’ve found that usually, when someone decides to purchase a Life insurance policy for the first time, they’re typically thinking about buying a policy that’s going to last their entire life. What they don’t know is that policies that last one “whole life” are called Whole Life Insurance and are usually significantly […] Read more

Life insurance is a crucial component of financial planning for many individuals and families. It provides a safety net to loved ones in the event of an unexpected death, helping them to cover expenses and maintain their standard of living. One question that often comes up when considering life insurance is: How much coverage do […] Read more

One of the main reasons why individuals will choose to purchase a term life insurance policy is because when compared to other types of life insurance policies, term insurance is typically the most affordable option.  Particularly when quoting 10 and 15-year term life policies. This is why it’s not all that surprising that we frequently […] Read more

Your 50s are here and life is rich. You may have started a business, your kids are out of the house or close to it, and you are at your prime income earning potential. Buying life insurance over 50 years old has never been easier thanks to the many innovations in the life insurance industry. […] Read more

Life Insurance in your 70s

At IBUSA, we understand that most people in their 70s are not looking for a multi-million dollar life insurance policy. Instead, they often face the decision of what to do with an expiring policy or whether to purchase a small policy to cover final expenses and burial costs. That’s why we want to take a […] Read more

Life Insurance in your 20s

While in your 20s, life insurance is likely the furthest thing from your mind. After all, most 20-year-olds are probably going to be pretty healthy, and have their entire life ahead of them, so why consider something as morbid as death? Nonetheless, life insurance is a crucial financial tool that can provide protection for you […] Read more

With the cost of living on the rise, and expenses such as college tuition and housing prices showing no signs of stopping, many people are finding that a $500,000 life insurance policy is no longer excessive but rather necessary, especially for those in their mid-20s or early 30s. In this article, we will discuss the […] Read more

When it comes to purchasing life insurance, there are a variety of policy options available to meet different financial needs. One such option is annual renewable term life insurance (ART), which is a type of term policy that renews each year. While ART policies offer some advantages, such as a potentially lower initial premium, they […] Read more

At IBUSA, we specialize in placing difficult cases. However, we also excel at placing easy cases and helping our clients get the best health ratings and lowest prices. We have an intimate knowledge of the top companies in the marketplace, which allows us to pair our clients with the best companies based on each client’s […] Read more

Determining the cost of a $250,000 life insurance policy depends on several factors, with the type of policy being the biggest. Are you considering a term life insurance policy that provides coverage for a set period or a whole life insurance policy that offers coverage for your entire life? Here are some sample rates for […] Read more