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Mitigating Mold and Moisture Risks in School Facilities

Mitigating Mold and Moisture Risks in School Facilities

Mitigating mold and moisture risks is essential for ensuring a safe and healthy learning environment in school facilities. Excess moisture from leaks, high humidity, or poor ventilation creates ideal conditions for mold growth, which can compromise air quality and pose health risks like respiratory issues and allergies, potentially leading to increased absenteeism and liability concerns. […]
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4 Steps to Determine Which Life Insurance is Best For You

4 Steps to Determine Which Life Insurance is Best For You

Life insurance is a key tool to provide peace of mind and protection for your loved ones. With so many different options out there, we understand that finding the right life insurance can be overwhelming. We strive to provide our clients with valuable guidance, to make this an easier process than you might think. To […]
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Wildfire Protection: How Technology is Changing Home Insurance

How Insurance Is Adapting to the Growing Gig Economy

The gig economy is booming, with more individuals choosing freelancing and independent contracting over traditional employment. While this offers greater flexibility, it also raises concerns about insurance coverage, as gig workers often lack the benefits of standard employment. Fortunately, the insurance industry is evolving to meet these needs, offering specialized policies that protect freelancers, contractors, […]
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Wildfire Protection: How Technology is Changing Home Insurance

Wildfire Protection: How Technology is Changing Home Insurance

As wildfires become an increasing threat to homes in high-risk areas, advancements in technology are playing a pivotal role in both fire prevention and the home insurance landscape. Homeowners are adopting innovative solutions such as fire-resistant building materials, home defense systems, and wildfire detection systems to safeguard their properties. These new technologies are not only […]
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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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