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Types of life insurance

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 for Seniors over 85

In life, there are certain significant birthdays one will have.  Turning 16 usually meant that you could begin driving a car.  At 21 it usually meant you could have a drink (legally) and unfortunately at 85, you’re most likely going to lose the ability to purchase a traditional term or whole life insurance policy. Now, […] Read more

Life insurance is an important financial tool that provides financial security for your loved ones in the event of your unexpected death. And while it can be used to cover a wide variety of expenses ranging from mortgages, lost wages, and even future college expenses, most of the time when someone is considering purchasing a […] Read more

Universal Life Insurance Pros and Cons

Most articles about life insurance discuss two basic policy types:  term life and whole life.  And, for a long time, those were the only options. Beginning in the 1980s, though, a new form of permanent life insurance came on the scene—universal life (or “UL”).  UL often gets left out of the conversation, probably because it’s […] 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

Limited pay life insurance is a great asset that is often used by those interested in infinite banking or using it for a life insurance retirement plan. You see, one huge advantage of whole life vs other permanent life insurance products is fixed premiums. When you buy a policy, you know that, no matter how […] Read more

Paid-Up Additions for Whole Life Insurance offers policyholders a unique opportunity to grow their cash value quickly while providing a death benefit. This type of insurance policy is designed to maximize the growth of cash value quickly, making it an attractive option for individuals seeking to build cash value fast, as well as increase long-term […] Read more

Indexed Universal Life Insurance

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

Whole Life Insurance Pros and Cons

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