Protect What Matters Most with Personalized Life Insurance Solutions

Do you have loved ones that would be financially impacted if something happened to you? If you answered ‘yes’, it’s time to consider how you can ensure protection of your loved ones with life insurance.

Life Insurance - HOMETOWN

What is Life Insurance?

Life insurance is a lot like your home, auto, or business insurance—it’s an agreement between you and an insurance company. But instead of covering items, it covers your loved ones by providing them with a tax-free lump sum, known as a death benefit. Your beneficiaries can use this money however they need, whether it’s paying off debts, covering daily expenses, or maintaining a lifestyle. 

Common uses may include:

Do I Need Life Insurance?

If there is someone in your life that would be impacted by your death – either financially or from provided care – you need insurance. This includes your partner, children, your parents and siblings – anyone close to you.

You might have a mortgage, other debts, or future education costs to think about. And don’t forget funeral expenses and taxes (when the time comes.) Proper life insurance planning can cover all of these.

Types of Life Insurance

Term Permanent
Specific period (10, 20, 30 years)
Lifetime coverage
Temporary, with the option to upgrade
Long term with accessible savings
Lower cost + budget-friendly
Higher cost + financial safety net
How much LI cost

How Much Does Life Insurance Cost?

Life insurance, especially while you’re young, can be more affordable than you think! For less than a cup of coffee a day, you can secure protection for your loved ones and cover much larger expenses, such as education, mortgage, childcare and more!

Premiums vary depending on the type of insurance you select, and other factors such as the amount of coverage you require, your age, birth sex, smoking status and medical history.

Getting your personalized quote is easier than you might think, and only takes a few minutes!

Frequently asked questions

Your questions, asked and answered by our team.

Why should I get life insurance?

Life insurance provides financial protection for your loved ones, helping them cover expenses like debts, funeral costs, and future living expenses in case something happens to you.

How much life insurance do I need?

The amount depends on your personal circumstances, such as outstanding debts, future expenses (like education or mortgage), and your family’s financial needs. Many recommend getting coverage that is 5-10 times your annual income.

What happens if I miss a premium payment?

Most life insurance policies have a grace period, typically around 30 days, allowing you time to catch up on missed payments. If you don’t pay within that window, your policy could lapse, meaning you lose coverage.

Can I change my life insurance policy if my needs change?

Yes, many policies offer the flexibility to adjust coverage, such as increasing your benefit, converting a term policy to a permanent one, or adding riders for additional coverage.

Do I need a medical exam to get life insurance?

No, a full medical exam isn’t required, but you will need to provide a detailed medical history as part of the application process. This helps us determine the best coverage options for you.

We work with 20+ top insurance companies

Wawanesa Insurance
Sun Life
Manulife
Empire Life
Canada life
RBC

Our Reviews

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We are proud to have a 4.8 Google rating with honest reviews from over 600 client experiences.
Hope Conners
1 week ago
Damian was incredibly helpful while switching insurance over. He provided me with all the proper information and answered any questions I had.
Charly Brown
1 week ago
I had a "complicated" experience with two girls; it's not pleasant to talk about it, but fortunately, while looking for someone else, I met Senanya Jayatilake, a wonderful woman who supported me in everything, and thanks to her, I decided to renew my car insurance.
Andrew Nafekh
1 week ago
We had a great experience with Amy Brown. She is very professional and works efficiently to get the best price. Very responsive and helps to explain in a way that we can relate. Thanks Amy!!
Nik
1 week ago
Great experience! Damien was fantastic to work. Everything was set up quickly and I saved a good amount of money.
T Dot
2 weeks ago
If you looking for top notch service and to be treated like a human with a smooth sensical process, then duliban insurance brokers is where yiu need to contact. If you get steve then you will have a nice smooth process and get car insurance in less than 30 mins not 2 hours and guessing games like my lass broker at scoop insurance. Duliban Insurance got you covered and I highly recommend then if yiu looking for home or auto insurance.
Seema kaker
2 weeks ago
Thank you so much. It was very nice. You take care of us very professional and I appreciate it if any anybody wants to take this insurance need to call him. Mr Damian 🌹🌹🌹🌹🌹
Nicholas Maguire
2 weeks ago
Amy got me a great rate! Easy to deal with and very helpful
Jamal
2 weeks ago
Cannot recommend Damian Poznanovic enough. I was having a tough time finding a decent rate and everywhere I called was either overpriced or a hassle to deal with. Damian actually took the time to shop it around and got me a rate over a hundred bucks a month cheaper than the next best quote I got. He was quick, honest with me the whole way, and made the whole thing way easier than I expected. If you want someone who will actually work to get you a fair price, go to Damian. Appreciate you man.
Pam Swick Janjac
2 weeks ago
This was a pleasant transition inquiring about and subsequently switching my insurance. Mallory was extremely efficient and professional and at the same time, very personal and a pleasure to deal with. I am excited to become a new customer with Duliban Insurance!! Many Thanks to Kayla and Mallory! God Bless you both!
Damien was a pleasure to work with! He was able to find me 2 qoutes quickly and affordable. The process of finalizing was easy and his communication and patients were great around my work schedule. Highly recommend Damien being your insurance broker!
Hugh Ovenell
2 weeks ago
I had been with the same insurance company for several decades, coverage for the house, cottage and 2 vehicles. When I received my renewal this year the increase was dramatic. It had increased $575.00 annually. The monthly rate was $514.00. I began searching on line and soon I was contacted by June Sabo from Duliban brokerage. We made an appointment for the following day for a phone call. June was very professional and efficient while still being friendly and patient in getting the information she needed. Over the next few days she was in constant contact and returned phone calls and emails promptly. My wife and I are retired and appreciated her advice and support throughout the process. The end result was a savings of over $200.00 a month. We couldn’t be more pleased.
My wife and I recently purchased our first home and Alex helped us get the best price for house insurance. She was very kind and helpful during the process. She kept us informed step by step. I am pleased with the service we were provided by her. Thanks Alex.
WANDA JANES
2 weeks ago
Mallory was extremely professional and very quick to respond to my insurance needs. Receptionist was also extremely helpful in taking care of the additional needs I had. Highly recommend Duliban Insurance at the Dunnville location.
Stefan Ninkovic
2 weeks ago
Mallory was just wonderful! She answered all of our questions, was patient with us, and helped us get our first home insurance. We would highly recommend working with Duliban Insurance 🙂
Dave Armstrong
2 weeks ago
Amie at duliban very helpful when your getting up in age
Zeina Dhaybi
3 weeks ago
I am glad to work with Duliban Insurance Brokers. My agent Joseph was patient, helpful and knowledgeable. He answered my questions and guided me in my decision making.
Damian Poznanovic was prompt and quick. Great advisor.
Rob Dallas
3 weeks ago
Damian poznanovic was AWESOME throughout the whole process went above and beyond for me im very happy with my service
Dave Wall
3 weeks ago
Damian Poznanovic was very professional
Cindy Mayer
3 weeks ago
My broker experience with Mallory from Duliban was absolutely fantastic! Mallory is highly professional and her expertise and patience was greatly appreciated. I would recommend anyone looking for a brokerage to look at Duliban. Thanks again!! Mallory!!
Kiranpreet Brar
3 weeks ago
Duliban Insurance comes through every time! We've had the opportunity to connect with Lisa Brant. She was kind, patient and very helpful throughout the process. She took the time to understand our situation and helped us find the right solution. We appreciated her guidance and would definitely recommend her. Thank you, Lisa!
Dale Vandevyvere
3 weeks ago
He was a good to deal with
Gordon Fang
3 weeks ago
Damian was extremely accommodating while helping me explore different motorcycle insurance options. He stayed patient as we worked through the details and answered all my questions. Highly recommend working with him!
tara willis
3 weeks ago
Oh my goodness!! Damian Poznanovic, you were a delight....and so helpful. Cheaper rate than Costco gave me too.... 🙂
Braedon Gauld
3 weeks ago
Kevaughn Ellis was easy and great to work with! He got my insurance set up very quickly and efficiently.
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