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Final Expense Insurance

For many, getting a whole life policy for final expense and burial is sufficient. They just want to make sure they have money set aside for loved ones to pay any bills and to cover a funeral. The following sample rates are for whole life insurance, that offers fixed premiums, cash value growth and a […] Read more

Looking to purchase a small burial life insurance policy to protect yourself or a loved one?  “Not sure what it might cost?”   Well, if so, don’t fret because we’ve got just what you’re looking for! So, let’s dive right in… The first thing that you’re going to want to know about most “$10,000 life insurance […] Read more

Here at IBUSA, we’ll often get calls from clients looking to purchase a small final expense insurance policy on a loved one because…  “The proposed insured isn’t interested in buying a life insurance policy for themselves on their own.” In their “eyes,” they feel that a final expense insurance policy isn’t necessary and it’s just […] Read more

Chances are if you’re wondering how long you will need to wait before you can “reapply” for life insurance, your latest attempt at getting insurance hasn’t worked out the way that you had hoped it would. Now, this may mean that…  Your latest attempt was denied, postponed, or approved at a much higher price than […] Read more

Because unlike other more “traditional” types of life insurance policies, which are referred to by a specific need, it’s not all that uncommon for folks to become a bit “confused” about how final expense policies or burial life insurance policies work. For this reason… We wanted to take a moment and discuss “how” final expense […] Read more

The best final expense insurance companies out there offer different types of coverage, including whole life insurance with a graded death benefit. And many people want to know, “What is a Graded Death Benefit?” A graded death benefit is a term used to describe a “clause” within every guaranteed issue life insurance policy, which will […] Read more

Accidental Overdose and Life Insurance Seeing how that in 2019, more than 69,000 people died from an accidental overdose in America alone, it’s no wonder what was once an uncommon question asked by an individual now becomes a “somewhat” common topic. Particularly when someone is looking to purchase a life insurance policy on another person! […] Read more

It’s not uncommon for us here at IBUSA to receive a call or two each week from someone who is looking to purchase a life insurance policy on someone (including themselves) that has been diagnosed with a terminal illness. This is why… We wanted to take a moment and answer some of the most common […] Read more

Life Insurance and Mental Health Issues. Here at IBUSA, we’ll often receive phone calls from folks asking if someone with “mental health issues” can qualify for a traditional term or whole life insurance policy. Now… This may seem like an easy question to answer, but the problem is that without an “official diagnosis,” we wouldn’t, […] Read more

Life Insurance for People with Schizophrenia In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks either looking to purchase a life insurance policy on themselves after they have been diagnosed with Schizophrenia or looking to buy a life insurance policy on […] Read more