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

Turning 50 is a milestone — and for many, it’s also a wake-up call when it comes to life insurance. Coverage suddenly feels more urgent, yet often more expensive. Premium quotes that once seemed manageable can now cause sticker shock, leaving many to wonder if they’ve missed their window for affordable protection. At the same […] 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

Running your own business entails financial challenges that traditional employees rarely encounter. Unpredictable cash flow, no company-provided benefits, and the constant juggling of personal and business security.  It’s enough to make one crazy if you let it, especially if you add purchasing a life insurance policy to the “to-do” list! Throw in some technical terms […] 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

Running a small business means juggling countless roles—CEO, marketer, customer service rep—often within the same hour. Amid the daily grind of managing cash flow, employees, and growth, one critical question often gets sidelined: what happens to your business and family if you’re no longer there to lead? The stark reality is that nearly 70% of […] 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

💎 Cheapest 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 brand prestige ✓Future Focused: You save money for things that truly […] Read more

You’re researching $30,000 life insurance policies because you understand a fundamental truth: funeral costs average $7,000-$12,000 nationally, and leaving this financial burden to grieving family members creates unnecessary stress during an already difficult time. Yet when you search for pricing information, you encounter confusing terminology—final expense insurance, burial insurance, simplified issue, guaranteed acceptance—without clear explanations […] Read more