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Whole Life Insurance

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

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 it doesn’t tell the entire story because whole life and term life are fundamentally different products and, frankly, whole life provides benefits going far beyond the conditional death […] Read more

All participating life insurance is whole life insurance, but not all whole life insurance is participating life insurance. Participating Life Insurance allows you to participate in the ownership of the company and share in the profits through dividends. Non-Participating Life Insurance is the opposite, allowing zero ownership, no voting rights, and no share of profits […] Read more

Modified Whole Life Insurance

There are two types of modified whole life insurance to be aware of. The first is modified whole life where the premium changes over time. The second is modified benefit whole life where the death benefit is paid as a percentage of the face amount for the first 2 or 3 years of the policy […] 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