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Types of life insurance

For most people, term life insurance is going to be the best choice. It is inexpensive and easy to understand, and it does what it is supposed to do, provide a death benefit payout to a beneficiary if the insured dies prematurely. But term life is but one of the different types of life insurance […] Read more

At IBUSA, we are not married to any one type of life insurance and we certainly do not always recommend you “Buy term and invest the difference.” Why is that, you may ask. The main reason is, we are not trying to sell you a quick and easy term insurance policy and move on to […] Read more

Lurking in the background of just about every conversation we have here at IBUSA  is the fundamental question asking… “Is buying a Term Life Insurance Policy worth it?” Term life insurance rates are very affordable, more so than most people realize. But what is the point of paying for term life if you don’t die […] Read more

There are many different life insurance companies in the U.S. but each company offers similar types of life insurance. At the most basic level, life insurance can be broken down into two major categories: term life insurance and permanent life insurance. We will go into the various aspects of the different life insurance options available. […] Read more

Whole Life Insurance Basics As you may know, there are two primary types of life insurance policies – term life and permanent life insurance. With whole life, this falls into the latter category of permanent life insurance coverage, which means that it will be in place until you die. Once the policy has been set […] Read more