Life Insurance

Group Benefits and Mental Health: Why Employee Coverage Matters More Than Ever

Group Benefits, Lifestyle / Duliban Insurance Brokers

May is Mental Health Awareness Month, a time to recognize the importance of mental well-being and the role employers can play in supporting their teams. For many businesses, one of the most meaningful ways to invest in employees is by offering a comprehensive group benefits plan. Beyond helping attract and retain top talent, group benefits

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Why 2026 Is the Year Employers Are Rethinking Healthcare Spending Accounts

Group Benefits / Duliban Insurance Brokers

As organizations plan for 2026, many are taking a closer look at how their employee benefits are structured. Rising healthcare costs, evolving employee expectations, and a stronger focus on wellness are pushing employers to rethink traditional benefit models. In this landscape, Healthcare Spending Accounts (HSAs) are gaining renewed attention. HSAs are no longer viewed as

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What Happens When Your Term Life Insurance Ends

Life Insurance / Duliban Insurance Brokers

Term life insurance is one of the most straightforward and affordable types of coverage available: you choose a set term (often 10, 20, or 30 years), and your premiums remain fixed for that period. But what happens when that term runs out? Does your coverage simply disappear? Can you renew it? If you’re approaching

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How to Future-Proof Your Group Benefits for a Multi-Generational Workforce

Group Benefits / Duliban Insurance Brokers

For the first time in history, many Canadian workplaces have up to four generations working side by side. From Gen Z newcomers to Baby Boomers nearing retirement, every group brings its own expectations, health priorities, and financial realities. The challenge for business owners? Building a group benefits plan that meets everyone’s needs, without breaking the

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If You Win the Lottery… What Insurance Should You Get First?

Life Insurance, Lifestyle / Duliban Insurance Brokers

Most people have played the “what if” game at least once. You buy a ticket, imagine your numbers coming up, and suddenly your life looks completely different. New home. Travel. Helping family. Maybe early retirement. But there’s one part of the fantasy most people don’t consider until reality sets in: how do you protect a

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How Life Insurance Fits Into Your Long-Term Financial Plan

Life Insurance / Duliban Insurance Brokers

When people think about financial planning, they often focus on investments, savings, and retirement accounts. While those are key components of any plan, there’s another piece that’s just as important, and often overlooked: life insurance. Life insurance isn’t only about preparing for the unexpected. It’s about ensuring that your financial goals stay on track,

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Rising Healthcare Costs: What Higher Premiums Mean for Employers

Group Benefits / Duliban Insurance Brokers

Why Premiums Are Soaring Employers are seeing group health plan costs climb faster than almost any other business expense. Prescription drug prices have skyrocketed, particularly for biologics and specialty drugs that can cost tens of thousands of dollars per patient each year. Hospitals and outpatient treatments are charging more as they face staffing shortages and

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Recently Engaged This Summer? Why September Is the Perfect Time to Revisit Your Life Insurance

Life Insurance / Duliban Insurance Brokers

If you got engaged this summer, congratulations! It’s one of the most exciting milestones in life – a moment filled with celebration, anticipation, and plenty of planning. Between choosing venues, sorting guest lists, and making big decisions for your future together, it’s also the perfect moment to take a closer look at something that often

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Why Fall Is Open Enrolment Season for Group Benefits

Group Benefits / Duliban Insurance Brokers

Open enrolment is the period when employees can review, update, or make changes to their group benefits plans. Outside of this window, changes are usually limited to life events such as marriage, the birth of a child, or other qualifying circumstances. This structured timeframe helps both employees and employers stay organized while allowing insurance providers

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Life Insurance for Millennials: Why It’s Not Just for Parents

Life Insurance / Duliban Insurance Brokers

When you think of life insurance, you might picture parents with young kids or middle-aged homeowners protecting their families. But for millennials – many of whom are navigating career growth, paying off student loans, buying homes, or even starting small businesses – life insurance is just as relevant. The idea that you only need coverage

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The Role of Critical Illness Insurance in Estate and Legacy Planning

Life Insurance / Duliban Insurance Brokers

Planning for your estate and legacy is about more than just wills and inheritance – it’s about ensuring your loved ones are protected financially no matter what life throws your way. Critical illness insurance is an often-overlooked but powerful tool in this process. It offers a financial safety net that can safeguard your family’s future

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Life Insurance at Every Stage of Parenthood

Life Insurance / Duliban Insurance Brokers

When you first became a parent, life insurance likely felt like an urgent priority. Whether it was welcoming a newborn or buying your first home, you wanted to make sure your family’s future was protected. But what many parents overlook is that life insurance is not a one-time decision – it’s a living part of

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What Happens When Your Term Life Insurance Ends

If You Win the Lottery… What Insurance Should You Get First?

How Life Insurance Fits Into Your Long-Term Financial Plan

Recently Engaged This Summer? Why September Is the Perfect Time to Revisit Your Life Insurance

Life Insurance for Millennials: Why It’s Not Just for Parents

The Role of Critical Illness Insurance in Estate and Legacy Planning

Life Insurance at Every Stage of Parenthood

Auto

Home

Business

Farm

Recreation

Tractor Protect

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