Yes, life insurance companies can and often will ask to see an applicant’s medical records before they will be willing to approve an applicant’s application. In fact, most (if not all) traditional life insurance policies will include a section within the written application explicitly asking for your permission to request medical records from your doctor(s) […] Read more
Life Insurance
When it comes to finding the best life insurance policy for you or a loved one, it’s important to remember that while one insurance company may be the “best” fit for one person, that doesn’t necessarily mean that they’ll also be the “best” fit for someone else. This is because… Not everyone will have the same needs […] Read more
At IBUSA, our expertise lies in helping people find the right life insurance coverage quickly and easily, including indexed universal life (IUL) insurance. The good news is that with many insurance companies adopting no-exam policies, it’s possible to qualify for an IUL policy without needing to take an exam, which can be a relief for […] Read more
Although Ameritas doesn’t currently offer no-medical-exam term life insurance policies, its strong financial reputation and excellent customer service consistently rank it as one of the best life insurance companies in the country. Therefore, we want to discuss some of this company’s pros and cons to help you determine whether applying for one of their products […] Read more
In this article we will focus on the pros and cons of whole life insurance. Before we dive in, we wanted to make one point off the bat. When comparing whole life insurance to term, some publications and financial gurus get hung up exclusively on price. Price is, of course, a completely legitimate consideration. But […] Read more
At IBUSA, we partner with insurance providers that offer both term and permanent coverage, because the most suitable life insurance company for you will depend on your individual needs, goals, and objectives. In this article, we will define permanent life insurance and provide several scenarios where it may be preferable to choose permanent life insurance […] Read more
Life insurance is an essential financial decision that can provide financial security for your loved ones in the event of your untimely death. However, with so many life insurance policies available, it can be challenging to choose the right one. Participating and non-participating life insurance are two common policies, each with advantages and disadvantages. In […] Read more
Infinite banking is a concept created by Nelson Nash where you “Become Your Own Banker” using a properly designed dividend-paying whole life insurance policy focused on cash value growth and accumulation. The basic premise of the Infinite Banking Concept is the whole life insurance policy acts as your own personal bank. And for any large […] Read more
Mortality Rates in Montana Montana Population: 1,068,778 (8th lowest) Population Density: 7.42 per square mile (47th most dense) Median Age: 40.2 (10th oldest) Deaths Per Year: 9,992 Annual Deaths Per 100,000: 940.6 Life Expectancy at Birth: 78.7 Fertility Rate (births per 1,000 women age 15-44): 56.8 (15th lowest rate) Leading Causes of Death in Montana […] Read more
Your 50s are here and life is rich. You may have started a business, your kids are out of the house or close to it, and you are at your prime income earning potential. Buying life insurance over 50 years old has never been easier thanks to the many innovations in the life insurance industry. […] Read more
