Celebrating your 85th birthday brings wisdom, cherished memories, and often a sobering realization: traditional life insurance companies have quietly moved you into their “declined” category. The frustration deepens when children express concern about final expenses, or when you discover that the small policy you’ve carried for decades may not cover today’s costs. What insurance companies […] Read more

In the insurance industry, when someone refers to a final expense quote, they’re typically referring to a type of life insurance policy that is designed to cover funeral expenses and other expenses associated with end-of-life care, such as burial and funeral costs, medical bills and outstanding debts and in most cases, the policies discussed will […] Read more

💎 Cheap Isn’t Bad It’s Smart, Strategic & Sensible Being budget-conscious is about being intelligent with your choices and understanding true value over unnecessary bells and whistles. ✓Smart Shopping: You research, compare, and make informed decisions ✓Value Hunter: You prioritize quality per dollar over flare ✓Future Focused: You save money for things that truly matter […] Read more

Whether you’re pre-planning your own final expenses or reeling from the financial strain of an unexpected funeral, the steep cost of modern burials raises a tough question: how can your family cover these costs without draining their savings or taking on debt? After exploring various options, final expense insurance emerges as one answer, promising affordable […] Read more

Planning for final expenses can be a lot to handle, especially with terms like “burial insurance” and “life insurance” floating around, sometimes used interchangeably and other times not. It can become quite confusing when agents give mixed signals about whether they’re the same or serve different purposes. The truth is, burial insurance and life insurance […] Read more

As your parents age, it can be tough to face the possibility that their life insurance may not cover final expenses or unpaid debts. And while securing a policy for them may seem like a practical step, it’s also deeply personal and frequently confusing. This is why, in this guide, we’ll discuss the process of […] Read more

When scrolling through life insurance quotes online, the $20,000 policy often appears as the lowest coverage option – sometimes dismissed as “too small” or positioned as merely a stepping stone to larger policies. Yet thousands of Americans deliberately choose this specific coverage amount each year, and they’re making financially sound decisions based on their unique […] Read more

At IBUSA, we know planning for end-of-life expenses can feel overwhelming, especially with all the confusing and contradictory information out there about final expense insurance. Unfortunately, these common misconceptions can stop families from getting affordable coverage that could protect their loved ones from a heavy financial burden. So in an effort to prevent, we’ve put […] Read more

Planning for final expenses raises questions that many families prefer to avoid, yet the reality of funeral costs averaging $8,000 to $12,000 makes this planning essential. When researching options, you’ll encounter terms like “burial insurance,” “final expense insurance,” and “funeral insurance” that seem interchangeable but may carry different meanings depending on who’s explaining them. This […] Read more