For business owners, choosing the right healthcare benefits can have a major impact on both cost savings and convenience. While several options exist, a Health Spending Account (HSA) offers superior advantages compared to alternatives like a Private Health Services Plan (PHSP) or an Administrative Services Only (ASO) plan. From

5 Common Mistakes People Make When Purchasing Life Insurance

Life insurance provides financial security for your loved ones, but choosing the right policy can be overwhelming. With so many options available, it’s easy to make missteps that could leave you underinsured or paying more than necessary. To help you make an informed decision, let’s explore the five most common

5-Step Guide to Life Insurance When You’re Self-Employed

Being your own boss comes with plenty of perks—flexibility, independence, and the ability to build something truly your own. But it also means you don’t have the built-in safety nets that traditional employees get, like employer-sponsored life insurance. If you’re self-employed, securing the right life insurance policy is essential

HSA vs. Traditional Benefits: Why Flexibility Matters for Your Team

When it comes to employee benefits, one size does not fit all. While traditional group benefits plans offer structured coverage, they don’t always meet the diverse needs of today’s workforce. That’s where a Health Spending Account (HSA) comes in—offering unmatched flexibility and control over healthcare spending. If you’re an

How to Determine the Best Type of Life Insurance Coverage for Your Family

Life insurance is one of the most important financial decisions you’ll make for your family. It provides security, ensuring your loved ones are financially protected if something unexpected happens. But with so many options available, how do you determine which type of coverage is best for your family’s needs? Let’s

Life Insurance Essentials for Primary Caregivers

As a primary caregiver, you’re the cornerstone of your family. You provide emotional, physical, and often financial support to your loved ones every day. While caregiving is a selfless and rewarding role, it’s important to consider how your family would cope financially if you were no longer able to provide

Understanding the Tax Advantages of Offering Group Benefits

For Canadian employers, offering group benefits isn’t just about supporting your employees—it’s also a smart, tax-efficient way to invest in your business. Group benefits, like health, dental, life insurance, and retirement savings plans, can help attract and retain top talent while providing financial advantages for both you and your team.

5 Reasons Why Recent Grads Should Consider Life Insurance

Graduating from college or university is an exciting milestone—you’re stepping into the world of independence, starting your career, and building your future. While life insurance might not be the first thing on your mind, it’s actually a smart move to consider early on. Here’s why recent grads should start thinking

5 Things to Consider When It Comes to Your Group Coverage at Work

Group coverage is one of the most valuable perks many employers offer. From health and dental care to disability and life insurance, your workplace benefits can provide peace of mind and financial security for you and your family. But to get the most out of your plan, it’s important to

7 Things to Consider Before Starting a Family

Starting a family is an exciting milestone, but it’s also a decision that comes with significant responsibilities. To ensure you’re ready for this next chapter, it’s important to plan ahead and weigh all the factors involved. Here are seven key things to consider when preparing to grow your family. 1.

What Canada’s Aging Population Means for Life Insurance

Canada is undergoing a significant demographic shift. With the population aged 65 and older projected to nearly double by 2050, this aging trend will have profound implications for many sectors—including life and health insurance. Understanding how these changes impact coverage, costs, and planning is crucial for individuals and businesses alike.

Understanding Bill C-64: Canada’s Pharmacare Act and Its Impact on Group Benefits

In October 2024, the Canadian government passed Bill C-64, also known as the Pharmacare Act, marking a significant shift in how essential medications are accessed and funded in Canada. Designed to improve affordability and accessibility, this legislation introduces a publicly funded pharmacare plan starting with universal coverage for diabetes medications

Duliban Insurance is committed to providing comprehensive insurance solutions tailored to the unique needs of every client, paired with outstanding customer service and affordable rates. Founded in 1976, we’ve proudly represented Canada’s top insurance companies for over 45 years, with steadfast commitment to our clients, our team, and our community.