Life insurance is a crucial component of financial planning, providing a safety net for your loved ones in the event of your untimely death. However, it can be challenging to know when the best time is to purchase a life insurance policy. In this article, we will explore the factors that affect the decision of […] Read more
Types of life insurance
At IBUSA, we know that you never want to argue about whether it’s fair for someone who frequently skydives to either not qualify for life insurance or be forced to pay more than someone who doesn’t. The reason is simple: You’re likely to encounter a logical argument that those who skydive regularly tend to be […] Read more
Seeing how nearly 1 million drivers are arrested under the influence every year, it’s not all that difficult to imagine why we here at IBUSA get so many folks calling us asking… “Is their previous DUI going to prevent them from being able to qualify for a traditional term or whole life insurance policy?” This […] Read more
Let’s face it: most of us aren’t going to choose to purchase a life insurance policy when we’re in our early 20s or when we’re in the “best” shape of our lives. Instead, most of us will choose to purchase a life insurance policy when it suddenly dawns on us that we NEED to buy […] Read more
As we all know, life insurance can be an essential tool for securing your financial future and the well-being of your loved ones. However, the thought of applying for coverage when faced with mental health issues can be overwhelming—especially given the common belief that any mental illness can automatically disqualify you from life insurance. So, […] Read more
Accidental death insurance and life insurance are two different types of insurance policies that offer varying levels of coverage and benefits. Unfortunately, many people who aren’t familiar with how life insurance works and are eager to get insured will often confuse these policies or assume that they are interchangeable. This is why, understanding the differences […] Read more
In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks either looking to purchase a life insurance policy on themselves after they have been diagnosed with Schizophrenia or looking to buy a life insurance policy on a family member who has been […] Read more
Different types of life insurance policies have been designed to meet different needs and goals and to accommodate the unique circumstances and preferences of individual policyholders, such as to provide financial security for loved ones in the event of the policyholder’s death, to cover funeral and burial expenses, to pay off outstanding debts and mortgages, […] Read more
The purpose of this article is to provide readers with a comprehensive guide to selecting the best whole life insurance policy tailored to their individual needs and preferences. By exploring the key features, factors to consider, and tips for choosing the right policy, it is our hope that you’ll gain a deeper understanding of whole […] Read more
Permanent life insurance is a type of life insurance that provides coverage for the entirety of one’s life. Unlike term life insurance, which is only active for a specific period, permanent life insurance policies offer both death benefits and cash value accumulation. This type of policy can be an excellent option for those who want […] Read more
