Nowadays, it seems that every time you turn on the TV or radio, you are bombarded with commercials promoting the ease and affordability of obtaining a traditional term life insurance policy, with or without a medical exam. While these commercials are not necessarily false, they do tend to overlook one inconvenient truth about a significant […] Read more
Life Insurance
Life insurance is an essential financial tool that provides peace of mind and financial security for individuals and their families. However, obtaining life insurance can be challenging, particularly for those who are terminally ill. Despite this diagnosis, many terminally ill patients still need life insurance coverage to protect their loved ones financially. Fortunately, it is […] Read more
Life insurance is a crucial component of financial planning, providing a safety net for your loved ones in the event of your untimely death. However, it can be challenging to know when the best time is to purchase a life insurance policy. In this article, we will explore the factors that affect the decision of […] Read more
It is crucial to understand that just because you contact an agency or life insurance company to obtain coverage, it does not mean that what they offer you will protect you against all eventualities. That is why asking the agent, “What does life insurance cover?” is an excellent question to pose. However, it might be […] Read more
Many scuba divers don’t consider their beloved activity dangerous, which can catch them off guard when asked about it during a life insurance application. That’s why we want to take a moment to discuss how scuba diving may affect the outcome of your application and highlight a few other factors that may come into play, […] Read more
At IBUSA, we know that you never want to argue about whether it’s fair for someone who frequently skydives to either not qualify for life insurance or be forced to pay more than someone who doesn’t. The reason is simple: You’re likely to encounter a logical argument that those who skydive regularly tend to be […] Read more
As a smoker, finding a life insurance policy that fits your needs can sometimes feel like a losing battle. The market can be overwhelming, and many companies often discriminate against smokers, making you feel like you’re stuck with a low-quality policy. But that’s where we come in. This article is here to give you hope […] Read more
Seeing how nearly 1 million drivers are arrested under the influence every year, it’s not all that difficult to imagine why we here at IBUSA get so many folks calling us asking… “Is their previous DUI going to prevent them from being able to qualify for a traditional term or whole life insurance policy?” This […] Read more
While Prosperity is a top contender on many final expense insurance company lists (including ours), it is important to note that every individual has different needs and preferences when it comes to their insurance provider. Before making a decision, it’s crucial to research and understand more about the company to determine whether it’s the right […] Read more
Let’s face it: most of us aren’t going to choose to purchase a life insurance policy when we’re in our early 20s or when we’re in the “best” shape of our lives. Instead, most of us will choose to purchase a life insurance policy when it suddenly dawns on us that we NEED to buy […] Read more
