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living benefits

A chronic illness rider is another level of protection that protects the insured. Many of the top life insurance companies in the U.S. include the rider but not everyone does. The key is knowing what it is, what it does for you, and what companies offer it. Here at IBUSA, we firmly believe that the […] Read more

Ordinarily, term life insurance only pays out a death benefit if you die during the policy’s term. So, if you purchase a policy with a twenty-year term, and you die during that twenty-year period, the insurance company will pay the policy proceeds to your beneficiary. But don’t die during the term, and the policy lapses […] Read more

Life insurance is one of those “things” that most folks with a family understand that they NEED, but sometimes fail to realize just how badly they REALLY need it!   We know this because even within the 55 to 65% of Americans who have life insurance, nearly ½ of those are UNDERINSURED (Insurance Information Institute). Sadly… […] Read more