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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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Duliban Insurance Brokers

Decoding Your Ontario Auto Insurance Quote in 2024

Navigating the world of auto insurance quotes can sometimes feel like trying to solve a complex puzzle. But don’t worry, we’re here to help you piece it all together. In 2024, understanding the factors that influence your auto insurance rates in Ontario is more crucial than ever. With the ever-evolving insurance landscape, staying informed is […]
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Managing Cost and Risk in Group Benefit Plans: Strategies for 2025

Managing Cost and Risk in Group Benefit Plans: Strategies for 2025

As we approach 2025, employers face a significant challenge in managing the costs and risks associated with group benefit plans. Rising healthcare expenses, changing employee expectations, and regulatory pressures necessitate a strategic approach to benefit design and management. By understanding these dynamics, organizations can implement effective strategies to optimize their group benefits while controlling costs. The […]
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Last Minute Gift Ideas for Holiday Hosts

Protecting Your Business: End-of-Year Insurance Reviews

As the year draws to a close, it’s a great time for small business owners to conduct an end-of-year insurance review. Just like you might assess your finances, inventory, and customer satisfaction, evaluating your insurance coverage ensures your business is protected from unforeseen events. With changes in your operations, workforce, or market conditions, your insurance […]
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Last Minute Gift Ideas for Holiday Hosts

Last Minute Gift Ideas for Holiday Hosts

As the holiday season swings into full gear, you might find yourself attending a variety of gatherings, parties, and dinners. If you’ve been invited last-minute or simply forgot to pick something up, don’t worry! Showing up empty-handed isn’t an option, but finding a thoughtful, easy-to-find gift doesn’t have to be stressful. In this blog, we’ll […]
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