Medical emergencies can strike without warning and can be financially draining, especially if they require critical care. This is where a critical illness rider can come in handy. A critical illness rider is a type of insurance that provides coverage specifically for critical illnesses such as cancer, heart attack, or stroke. And while it is […] Read more
Life Insurance
An instant life insurance quote is an estimate of the premium you would pay for a life insurance policy based on the information you provide online. The quote is generated instantly without the need for a medical examination or consultation with an insurance agent. The information required for an instant life insurance quote typically includes […] Read more
In the insurance industry, when someone refers to a final expense quote, they’re typically referring to a type of life insurance policy that is designed to cover funeral expenses and other expenses associated with end-of-life care, such as burial and funeral costs, medical bills and outstanding debts and in most cases, the policies discussed will […] Read more
Here at IBUSA, we’ve found that usually, when someone decides to purchase a Life insurance policy for the first time, they’re typically thinking about buying a policy that’s going to last their entire life. What they don’t know is that policies that last one “whole life” are called Whole Life Insurance and are usually significantly […] Read more
Universal life insurance is a versatile financial product that offers both benefits and drawbacks to policyholders. As a form of permanent life insurance, it provides coverage for the entirety of an individual’s life, with a portion of the premiums going towards a cash value account. This cash value accumulates over time and can be used […] Read more
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
A million-dollar life insurance policy often represents a practical solution for protecting significant financial obligations, from mortgages and business loans to children’s education costs and income replacement needs. Despite common perceptions about cost, many healthy applicants discover that $1 million in coverage is more affordable than expected, particularly with term life insurance. Based on current […] Read more
Life insurance is a crucial aspect of financial planning, providing peace of mind and security for you and your loved ones. But with so many options available, it can be overwhelming to choose the right one. Should you opt for the low-cost term life insurance or the long-term protection offered by whole life insurance? To […] Read more
One of the main reasons why individuals will choose to purchase a term life insurance policy is because when compared to other types of life insurance policies, term insurance is typically the most affordable option. Particularly when quoting 10 and 15-year term life policies. This is why it’s not all that surprising that we frequently […] Read more
When someone begins looking for a life insurance policy at the age of 80 or above, they usually want to purchase a final expense or burial life insurance policy. This way, when the inevitable happens, a small whole-life insurance policy will help their loved ones pay for the considerable expenses associated with even the most […] Read more
