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Why You Should Think Twice Before Cancelling Winter Motorcycle Insurance

Winter Motorcycle Insurance – Duliban Insurance

When cold weather arrives and your motorcycle goes into storage, many riders ponder whether they should cancel their motorcycle insurance for the winter. While it may seem like a wise way to save money, cancelling your coverage can lead to bigger risks and potential costs that most riders overlook. From theft to fire to gaps […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

We Tried to Blow Up an IUL Policy. Here’s What It Took.

How to tell if your IUL is designed correctly There is a simple test for whether an IUL has been designed appropriately. Take the death benefit on the policy, and pull a quote for whole life insurance with the same death benefit at the same underwriting class. Compare the premiums. If the whole life premium […]
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Young Drivers: Should I put the Car Registration in Their Name?

When to Register my car Under a Young Driver’s Name

Getting a driver’s license is a major milestone – for both teens and parents. Along with the excitement comes a new set of responsibilities, especially when it comes to vehicle ownership, registration, and auto insurance in Niagara.If you’re navigating this stage for the first time, here’s what you need to know in 2026 to make […]
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basement flood home insurance

Spring Flooding and Your Home Insurance

Spring in Niagara and all throughout southern Ontario brings much-anticipated longer days, but it also comes with heavier rain. As seasonal storms increase, the risk of basement flooding rises fast. For homeowners, that makes sump pumps, sewer backups, and the right insurance coverage more important than ever.  Protect your home and avoid costly surprises this spring Why […]
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Summer School Student Workers: Best Practices to Reduce Risk for Schools

Summer School Student Workers: Best Practices to Reduce Risk for Schools

Many Texas public school districts hire high school students for summer roles—supporting summer programs, clerical and departmental work, campus organization projects, childcare support, and limited food service assistance. These positions can benefit both students and districts, but they also introduce unique compliance, safety, and supervision considerations because the workers are minors in a school environment. Compliance […]
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The Overlooked Side of Small Business Planning: Emergency Preparedness

Emergency Planning for Small Businesses

When you think about running a small business, your mind likely goes to the daily challenges – managing staff, serving customers, keeping up with inventory. But in recent weeks, the devastating wildfires impacting communities in Northern Ontario have been a stark reminder of another reality: unexpected events can change everything in an instant. For many small […]
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Practical Steps to Improve Your Credit, Driving, and Home Security for Lower Insurance Rates (Part 2 of 2)

Improve Credit & Home Safety to Save (2)

In Part 1 of our series, we explored how your credit score, driving record, and home security impact your home and auto insurance rates. Now, let’s focus on what you can do to take control of these factors and potentially lower your premiums. Boosting Your Credit ScoreYour credit score reflects your financial habits and helps insurers […]
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boat insurance in Ontario

Boat Insurance In Ontario – Duliban Insurance

From the scenic shores of Lake Ontario and Lake Erie to the cottage country waters of Muskoka, some of the best boating in Canada can be found in Ontario. Whether you’re cruising in Niagara-on-the-Lake, fishing in Muskoka, or enjoying weekends along the shores of Lake Ontario, Lake Erie, or Lake Huron, having the right boat insurance […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

Whole Life Dividends Are Rising Again: 2026 10-Year Analysis

Company-by-Company Carrier Discussion Guardian Life 6.05% → 6.25%  ·  Net +20 bps  ·  Up Guardian is the most noteworthy turnaround story in this analysis. In our 2020 report, Guardian had the highest standard deviation in the group (0.499) and the worst average annual decline (-0.021). We expressed real concern about the direction. Six years later, […]
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