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Preparing for Rising Prescription Costs in 2025

Preparing for Rising Prescription Costs in 2025

Prescription costs are on the rise, with experts projecting a significant 7% increase in health benefit expenses in 2025. For employers and employees alike, this presents challenges in maintaining affordable healthcare coverage without compromising on quality. At Duliban Insurance, we recognize how these shifts impact businesses, which is why our new Group Benefits Division is here […]
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Everything you need to understand about whole life insurance dividend options

Understanding Whole Life Insurance Dividend Options

Key Things to Know Whole life insurance dividend options provide policyholders with flexibility and versatility. The four original options are: receiving dividends in cash, using dividends to reduce or pay premiums, purchasing paid-up additions, and accumulating dividends at interest. Each option has its own tax implications and considerations, such as potential taxable income, impact on […]
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paid up additions add fuel to whole life insurance

The Magic of Cash Value Life Insurance • The Insurance Pro Blog

The paid up additions feature of a whole life insurance policy is one of the most powerful components with respect to cash value accumulation.  Most whole life products have a paid up additions (PUA) feature, but they can all work a little differently so it’s important to note that one company’s approach could vary substantially from […]
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Investment grade whole life insurance

Investment Grade Life Insurance?

Key Things to Know The term “investment grade life insurance” is a marketing tactic used by agents to sell whole life insurance policies.  While some whole life policies may be better suited for cash value maximization, there is no official designation for “investment grade” life insurance.  Ultimately, it’s important to understand that “investment grade life […]
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Flying on December 25th: Tips for Holiday Airport Travelers

Flying on December 25th: Tips for Holiday Airport Travelers

While today may seem like an unlikely day to travel, it can actually be a strategic choice for many. For some, airports are quieter with fewer crowds, making it a convenient time to fly, especially for those looking to visit family or enjoy a post-Christmas vacation. For others, last-minute holiday travelers, flight cancellations, and unpredictable […]
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10 pay whole life insurance may not always be the best options for building cash value

Is 10 Pay Whole Life Insurance Any Good? • The Insurance Pro Blog

Podcast: Play in new window | Download Key Things to Know 10 Pay Whole Life Insurance is a policy that guarantees a death benefit after 10 years of premium payments, making it a cost-effective option for those prioritizing a guaranteed death benefit. While it offers a lower total cost for a guaranteed death benefit compared […]
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What is Dividend Paying Whole Life Insurance? • The Insurance Pro Blog

What is Dividend Paying Whole Life Insurance? • The Insurance Pro Blog

As its name implies, dividend paying whole life insurance is a form of whole life insurance that earns a dividend.  The official insurance term used to identify a dividend paying whole life policy is “participating” because the policy participates in the divisible surplus (i.e. profits) of the insurance company. The alternative to a dividend paying […]
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How EV's Perform in Winter Conditions: What You Need to Know

How EV’s Perform in Winter Conditions: What You Need to Know

As winter approaches, electric vehicle (EV) owners might wonder how their cars will perform when the temperature drops. While EVs are a fantastic choice for year-round driving, winter brings unique challenges for both EVs and gas-powered cars. Understanding how cold weather affects EV performance can help you stay prepared and make the most of your […]
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Why Paid-Up Additions Matter • The Insurance Pro Blog

Why Paid-Up Additions Matter • The Insurance Pro Blog

Podcast: Play in new window | Download If I had to pick one, and only one, additional feature of whole life insurance, it is hands down the paid-up additions feature.  Even if I lose the ability to blend death benefit, if I still have the PUA feature, I’m in a position to augment policy value.  […]
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