The value of any life insurance policy lies in its ability to provide financial protection and peace of mind to policyholders and their loved ones. It can help ensure that your loved ones are not left with significant financial burdens and that they will be able to maintain their current lifestyle despite losing you. But […] Read more
Types of life insurance
If you’re reading this article, you’ve probably already become aware that some life insurance companies will look at what one does for a living during the application process. And while one’s career usually doesn’t play a significant role in the outcome of a life insurance application, it sometimes does. Which is why… We wanted to […] Read more
Gardening and landscaping sound like such peaceful jobs. But the truth is it’s not all just tending to roses, and this is something that most life insurance companies are well aware of. You see… Being a gardener, a groundskeeper, or a landscaper can oftentimes be quite a dangerous occupation. Especially if you combine this skill […] Read more
When it comes to helping professional or amateur racers find a quality life insurance policy they can both qualify for and afford, there are a few important things to remember. First, not all racers are like the ones you see on TV, dressed in suits and covered in sponsors. And second, not all life insurance […] Read more
Eight seconds on a 2,000-pound bull can change everything – not just your career prospects, but your family’s financial security. The adrenaline that draws you to rodeo competition also triggers red flags for life insurance underwriters, leaving many rodeo athletes believing they’re uninsurable or facing prohibitively expensive premiums. The reality is more nuanced than the […] Read more
Since one of the most common questions we receive from clients here at IBUSA is… What happens at the end of my term life insurance if I don’t die? We figured we ought to take a moment or two and describe one feature many life insurance agents will use to answer this question. That feature, […] Read more
Seeing how base jumping is considered one of the most dangerous recreational activities worldwide. Therefore, it is understandable why a base jumper would want to purchase a life insurance policy. However, it is also easy to see why a life insurance company may be hesitant to insure a base jumper, no matter how healthy they […] Read more
In this article, we wanted to take a moment to answer some of the most common questions we get from people applying for life insurance after being diagnosed with either Hodgkin or non-Hodgkin lymphoma. Questions that will be addressed will include: Can I qualify for life insurance if I have been diagnosed with either one […] Read more
With accidental overdose deaths affecting over 107,000 Americans in 2023, according to CDC data, families increasingly face questions about life insurance coverage during these tragic circumstances. Understanding how insurance companies evaluate overdose-related claims, policy exclusions, and the claims process becomes crucial for protecting beneficiaries during an already difficult time. This guide examines how life insurance […] Read more
It is generally recommended that everyone consider purchasing life insurance, regardless of their occupation or hobbies. Life insurance can provide financial protection for your loved ones in the event of your death, helping to cover expenses such as funeral costs, outstanding debts, and ongoing living expenses. But… For folks who enjoy Hang Gliding or Paragliding, […] Read more
