DPB Insurance & Financial Services

Insuring Tomorrow. Today.™

At DPB Insurance and Financial Services, we’re independent advisors.

 This means we’re positioned to shop the Canadian market and offer the best life insurance, critical illness, and group benefits solutions.

We use life insurance not only for the death benefit but to help supplement your retirement income. One of the benefits of a permanent life insurance policy is the ability to accrue cash value. As the cash value grows, you can withdraw or borrow against this amount as a source of income in retirement.

For over 30 years, we’ve been helping individuals and business owners with their insurance and group benefit needs. Talk to us today.

Allow us to help build your
financial future.

For business owners, and families, making sure what matters most to you is financially protected can be confusing. Having the proper insurance in place can give you peace of mind knowing that you are protected in case of uncontrollable events.
Talk to us today.

Readiness for Retirement

Planning for Uncertainty

Protecting Your Money

Business On Your Terms

What can we help you with?

Critical Illness Insurance

Critical Illness provides a lump sum payment so you can focus on your recovery if you were to suffer from a heart attack, stroke or cancer.

Life Insurance

Life insurance provides a lump-sum payment to your beneficiaries. For business owners, this can provide financial support to your company and your loved ones too.

For business owners, making sure their business is financially protected can be overwhelming.

Business owners face a unique set of challenges when it comes to managing risk. Insurance can play an important role when it comes to protection.

There are also situations where insurance can also be utilized for tax sheltering and investment purposes.  

Risk questions every business owner should ask:

● What happens if a shareholder or key employee becomes disabled, critically ill or dies?
● Should we consider health benefits for our employees, if so what’s the most effective way to implement this?
● How do we attract amazing talent?
● Do we have enough insurance to cover our debts, lease/mortgage, employee salaries?
● Is there a tax efficient way to invest surplus funds of the company?

Each business owner’s situation is unique, therefore, we help customize insurance plans for every business owner.

At every stage of your life, your insurance needs will differ, that’s why it’s important to review this on a regular basis to ensure your needs are taken care of.

For individuals without dependents, the primary focus should be protecting your ability to earn an income and accumulate wealth while minimizing taxation.

For families, it will be looking after dependents making sure the following are addressed:

● Ongoing income needs
● Mortgage, Debts, Loans
● Education fund

For retirees, estate planning becomes a priority, and these need to be taken into consideration:

● Taxes- how much of your hard-earned assets should CRA be entitled to?
● What type of legacy would you like to leave to your heirs?

We know priorities shift; therefore, it’s important that we tailor an insurance plan that addresses your needs.

Connect with us today.

Business owners are increasingly recognizing the critical importance of implementing employee benefit plans in their organization, and this is an area that has grown considerably in recent decades. 

If you want to ensure you attract top talent, one of the best ways is by offering significant benefits to your employees. It will help improve their attitude and willingness to do their job and show them that you care about them, which helps build respect for your business. In addition, these benefit packages provide tangible value in terms of lower absenteeism and higher productivity.

Employee benefits comprise all the additional things that you offer to your employees on top of their regular salary, which could include: 

• Group health benefits
• Group retirement plans, including pensions or group RRSP
• Training and education programs
• Flexible working hours and remote work
• Wellness programs

Employees are increasingly interested in the total benefits package a potential employer can offer them rather than just being focused on salary. 

Many employees value their employer’s benefits, considering them an integral part of their take-home pay, none more so than health coverage. This benefit can provide financial and emotional security to your employees and their families. 

When you offer a group benefits plan to your employees, it does three things: 

  1.  Employer-sponsored health and dental benefits are tax-effective to help attract, reward, and retain your employees.
  2.  Your employees are an essential part of what makes your company great. Group benefits make it easy to take care of their most important assets—their health and wellness.
  3.  Build loyalty: When employees feel like they are more than just a number and their employer appreciates them, they are more loyal and happy to work for the company’s future success.

There are four main components to an employee benefits plan:

  1. Extended Health and Dental
  2. Disability
  3. Life and Critical Illness Coverage
  4. Employee Wellness

Talk to us; we can help design a group benefits plan that makes financial sense for your business.

Meet Denis Bugeja

When approaching retirement, most people are worried that they don’t have enough money saved for their retirement years. This can make them feel uncertain and concerned for their future.

At DPB Insurance and Financial Services, we help pre-retirees feel secure about their future. We take the time to review your current finances, including your TFSA, RRSP, non-registered funds and all your investments and determine if you’re on track to retire confidently. We also introduce different financial strategies to help supplement your retirement income, such as using your life insurance to fund retirement. One of the benefits of a permanent life insurance policy is the ability to accrue
cash value. As the cash value grows, you can withdraw or borrow against this amount as a source of income in retirement.

For over 30 years, we’ve been helping clients retire with peace of mind and confidence, knowing they have enough to enjoy their retirement years. Talk to us today.


“At DPB we believe that our success lies in meeting and anticipating our clients’ needs while providing financial security and peace of mind in knowing that no matter what happens, you and your loved ones will be taken care of.”

Denis Bugeja

Latest News

Optimizing Wealth Through Asset Re-Allocation

If you are an active investor, your investment holdings probably include many different asset classes. For many investors, diversification is ...

Debt Is a Four-Letter Word

Debt today is so common, you might say it can’t be avoided. Most people are not in a position to ...

Are You On The Right Track?

In bull markets, some investors develop unhealthy expectations as to the long term yields their investments should provide. Ten years ...