. 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.
We combine the services and knowledge to help you make the best insurance and financial decisions based on your most important needs. Choose from Life Insurance, RRSPs, Group Insurance, Self-Employment Insurance, Commercial Auto Insurance, Investment Products, Disability Insurance, Buy/Sell Funding, and Critical Illness coverage
My wife and I have been DPB clients for 16 years now. I am confident I get the best advice and service from DPB.
DPB listened to my situation, did their homework, and created the best plan for my future.
Financial planning just isn’t my thing. DPB made it easy for me to understand.
I was feeling like I was behind everyone else. Now I’m on my way to a bright future!
Thanks to the DPB team. I know I am in good hands.
For many Canadians, especially those with young families, term life insurance is most often the product of choice for protecting one’s family. The major reason for this is that it is the lowest entry-level cost to purchase life insurance.
Life insurance is used for two general purposes in a private corporation – managing risk and creating opportunities. The risk management function is satisfied as life insurance provides the corporation with a tax-free payment in the event of the death of an owner or someone vital to the success of the business. As life insurance also allows for the tax-sheltered build up of cash value additional planning opportunities are additionally created.
Growing your estate without undue market risk and taxes
Often we see older investors shift gears near retirement and beyond. Many become risk-averse and move their assets into fixed income type investments. Unfortunately, this often results in the assets being exposed to higher rates of income tax and lower rates of return – never a good combination.
Or maybe the older investor cannot fully enjoy their retirement years for fear of spending their children’s inheritance.
The Estate Bond financial planning strategy presents a solution to both of these problems.