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

Engaged This Summer? Review Life Insurance Now

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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The Expanding Role of AI in Education

The Expanding Role of AI in Education

Artificial intelligence is quickly becoming part of the modern classroom. New AI-powered tools can assist with lesson planning, personalize learning experiences, and help educators manage administrative tasks more efficiently. As these technologies become more accessible, schools are beginning to explore how AI can support both teaching and learning. However, the rapid adoption of AI has […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

Are Annuities Really That Complicated? • The Insurance Pro Blog

The Middle of the Complexity Spectrum Fixed Indexed Annuities: Where Nuance Starts to Matter Fixed indexed annuities, or FIAs, are where the complexity meter begins to climb. The core idea is still manageable: your interest is tied to the performance of a market index — the S&P 500 being the most common — but your […]
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Annex Insurance Acquired by Duliban Insurance

Duliban Insurance Brokers Acquires Annex Insurance

McDougall Insurance Brokers Limited, through its subsidiary Duliban Insurance Brokers Ltd, is happy to announce that it has acquired the Stoney Creek based brokerage Annex Insurance Group Inc. Annex Insurance is a well-respected brokerage known for its strong client relationships and commercial expertise which will immediately bolster Duliban’s commercial offerings in the Niagara and Hamilton […]
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Preventing Ransomware Attacks in School Districts

Preventing Ransomware Attacks in School Districts

Ransomware attacks on school districts are no longer rare events — they are targeted, disruptive, and expensive. According to the Federal Bureau of Investigation, ransomware continues to be one of the most prevalent cyber threats impacting public institutions, including K-12 schools. For districts, the consequences go beyond financial loss. Instructional time is disrupted. Sensitive student […]
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The 2026 Specialty Drug Surge: What Employers Need to Prepare For

The 2026 Specialty Drug Surge: What Employers Need to Prepare For

Specialty drugs have been a major cost driver for years, but 2026 marks a significant shift in both scale and urgency. With GLP‑1 medications expanding into new indications, gene therapies entering the market at record pace, and oncology drugs continuing to rise in both cost and utilization, specialty medications are projected to account for more […]
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Young happy woman receives support from attenders of group therapy at mental health center.

The New Era of Mental Health Parity Enforcement in 2026

Federal agencies have made mental health parity enforcement a top priority in 2026, and employers sponsoring group health plans are feeling the impact. Regulators are no longer satisfied with high‑level assurances that plans comply with the Mental Health Parity and Addiction Equity Act (MHPAEA). Instead, they expect detailed, data‑driven documentation showing that mental health and […]
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Fiduciary Responsibilities for Employer Health Plans: What Employers Should Know Now

Fiduciary Responsibilities for Employer Health Plans: What Employers Should Know Now

When employers think about fiduciary responsibility, retirement plans often come to mind first. But recent developments make it clear that fiduciary duties also matter—sometimes significantly—when it comes to employer-sponsored health and welfare plans. Federal law requires employers that sponsor ERISA-covered benefit plans to act in the best interests of plan participants and beneficiaries. While many […]
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The Case for Guaranteed Retirement Income • The Insurance Pro Blog

When Does IUL Underperform Whole Life?

Other Crediting Methods Participation Rates and Spreads: Where Are the Breaking Points? Not every indexed universal life insurance policy uses a simple cap rate on the S&P 500. Some use uncapped index accounts where the participation rate or a spread becomes the controlling variable instead. We analyzed both. Participation rates A participation rate determines what […]
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