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No Medical Exam Life Insurance

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

Buy Life Insurance Online

Ten years ago, purchasing something like a life insurance policy online may have seemed like a strange thing to do, but let’s face it, lots of things have changed over the past ten years, so much so, that many no exam life insurance companies can get you covered in minutes. If you really think about […] Read more

Here at IBUSA, we’ll often get asked… “How can I get a life insurance policy without taking an exam?” Which is why we wanted to take a moment and discuss: What a “no medical exam life insurance policy” is? How they differ from life insurance policies that will require a medical exam? And when these […] Read more

Here at IBUSA, we’re frequently asked by clients whether or not it’s possible to purchase a life insurance policy without having to take a medical exam. Most of the time, we’re asked this question because, let’s face it, having to take a medical exam and provide a blood and urine sample to an insurance company […] Read more

Many different medical conditions can affect the outcome of one’s life insurance application. Some conditions may prevent someone from qualifying for coverage completely, while others may only affect the price of their insurance. “But that’s just ½ the problem.” Because… Most medical conditions aren’t going to “automatically” disqualify someone from being able to qualify for […] Read more

It’s not all that uncommon for someone to go years and years without life insurance, then suddenly decide it time to get insured, and it’s time to get insured now! Like instantly! The good news is… Unlike the past, where just about every term and whole life insurance policy available would require someone to first […] Read more

Here is some great news. Getting life insurance without an exam has never been easier, even for a non-working spouse. The primary criteria a life insurance company will consider is if the working spouse has coverage in place. If so, the stay at home spouse can get up to an equal amount of coverage. Have […] Read more

Buying life insurance on your Ex. Yes, insurance companies will frequently allow someone to purchase a life insurance policy on an ex-husband or ex-spouse provided that they can show that they still have an “insurable interest” in the life of the ex being insured. This is why… We wanted to take a moment to discuss […] Read more

Life insurance during a divorce. Let’s face it; getting divorced can be expensive and stressful. This is why getting “blindsided” by a judge’s or opposing councils request for one to get a life insurance policy on one’s self so that you can finally settle your divorce is never a good feeling. This is why… In […] Read more

Seeing how in 2016 alone nearly 1 million drivers were arrested under the influence, it’s not all that difficult to imagine why we here at IBUSA get so many folks calling us asking… “If their previous DUI is going to prevent them from being able to qualify for a traditional term or whole life insurance […] Read more