Many consumers are surprised to learn that Liberty Mutual no longer directly underwrites life insurance. Since selling its individual life insurance business to Protective Life in 2018, Liberty Mutual now functions primarily as a referral and marketing channel, connecting customers with partner companies such as TruStage and Protective Life for coverage. This setup can be […] Read more

For many working families and labor union members, American Income Life Insurance Company (AIL) is a familiar name. The company is closely connected to union organizations and association partnerships, often positioning itself as a resource for protecting “working families.” Still, it’s natural for people to wonder how this 70-year-old insurer compares to other options in […] Read more

Learning that your insurance company has discontinued coverage options feels like navigating uncharted territory – especially when you’re left wondering about your existing policy’s future or where to find comparable protection. Great Western Insurance Company’s recent withdrawal from the final expense market has left many policyholders and potential customers searching for clarity about what comes […] Read more

Discovering Sons of Norway Life Insurance often happens by accident – perhaps through family heritage research, community center recommendations, or while exploring alternatives to mainstream insurance companies that seem increasingly expensive and impersonal. This Minneapolis-based fraternal organization has quietly provided life insurance benefits to Norwegian-American families and cultural enthusiasts for over 130 years, operating under […] Read more

The Standard Life Insurance Company sits quietly among America’s insurance landscape, carrying 160 years of history while competing against marketing giants that dominate television commercials and online advertisements. When families research life insurance options, The Standard rarely appears in the first wave of Google results, yet this Portland-based insurer manages billions in assets and serves […] Read more

Medical record requests from life insurance companies raise important privacy concerns for applicants seeking coverage. Understanding your rights under HIPAA, the legal framework governing these requests, and how medical history impacts underwriting decisions helps you navigate the application process with confidence. This comprehensive guide examines when insurance companies can access medical records, what information they […] Read more

Your insurance agent just suggested American United Life Insurance, but the name doesn’t sound familiar. Unlike the big players like State Farm or Northwestern Mutual that your friends swear by, you’re left wondering if this Indianapolis-based insurer can offer comparable financial security and service. The doubt grows when online searches turn up few consumer reviews, […] 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

For many families, Ameritas Life Insurance is one of those quietly reliable companies that rarely makes headlines but consistently earns the respect of industry professionals. It may not have the name recognition of State Farm or Northwestern Mutual, and its modest marketing presence sometimes leads people to overlook it altogether. Yet behind that understated image […] Read more