Every business relies on key individuals whose expertise, knowledge, and leadership play a vital role in its success. These individuals could be founders, executives, or key employees with specialized skills. Losing such a key person due to death or disability can have significant financial and operational consequences for the business. That’s where key person insurance […] Read more
Life Insurance
Student loan debt has reached unprecedented levels, creating a financial burden for countless individuals pursuing higher education. While borrowers may be aware of the impact their student loans have on their own financial stability, many overlook the potential consequences for their co-signers. Co-signers, often family members or close friends, play a vital role in helping […] Read more
Prepaid funeral plans are payment options typically offered by funeral homes or funeral directors as a way to help people finance the cost of a funeral over time. As such, they provide individuals and families with a way to help alleviate some of the financial burdens on their loved ones. The cost of the plan […] Read more
Cremation is becoming an increasingly popular funeral option, as more and more people are choosing this method of disposition for themselves or their loved ones. And while there are a wide variety of reasons why someone might choose to be cremated or have a loved one cremated, the cost can and often will play a […] Read more
Disability income riders are optional add-ons to disability insurance policies that provide additional coverage and benefits. They are designed to help protect your income in the event that you become disabled and are unable to work. While these riders offer several benefits, they also come at an additional cost. The question then arises, are disability […] Read more
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
Instant Life Insurance Quotes ⚡ Instant Quotes Work But They’re Estimates, Not Guarantees Instant quotes give you ballpark pricing in minutes, but your final rate depends on medical exams and underwriting. ✓Speed: Get estimates in under 2 minutes ✓Comparison: Shop multiple companies quickly ✓Convenience: No pressure, no phone calls ✓Planning: Perfect for budgeting purposes “Instant […] 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
