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Category: Life Insurance

Diversifying in Uncertain Times

November 1, 2020blog, Coronavirus, Coronavirus - Associates, Coronavirus - Practice Owners, Coronavirus - Retired, Coronavirus - Retiring, Estate Planning, Investment, Life InsuranceDenis Bugeja

Uncertain about where to invest during Covid-19? It may be time to diversify through a Participating Whole Life policy

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How Will COVID-19 Impact the Insurance Industry?

August 4, 2020blog, Coronavirus, Coronavirus - Associates, Coronavirus - Practice Owners, Insurance, Life InsuranceDenis Bugeja

During this stressful and challenging time, many are wondering what effect COVID-19 could have on their life insurance. Some may be worried that the insurance companies would make changes to their existing policy due to coronavirus concerns, resulting in an increase in their premiums or a restriction to their coverage. It should be reassuring to all that insurance companies are generally not able to change the contractual provisions of the insurance policies that are in force.

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Term Life Insurance – Two Valuable Options

July 2, 2020blog, Individuals, Insurance, Life InsuranceDenis Bugeja

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.

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The Need for Corporate Life Insurance

June 1, 2020blog, Business Owners, buy sell, corporate, Estate Planning, Life InsuranceDenis Bugeja

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.

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The Estate Bond

May 1, 2020blog, Estate Planning, Investment, Life InsuranceDenis Bugeja

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.

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What is Key Person Insurance?

March 1, 2020blog, health benefits, Life InsuranceDenis Bugeja

Most business owners understand that assets vital to the success of the enterprise should be insured. Premises are routinely covered for fire and/or theft; vehicles used to make deliveries, insured; machinery needed for manufacturing, also insured. Given that these tangible assets are instrumental in the success of the business, it makes good business sense that the business is protected in the event of a loss. But what about key employees? Many business owners overlook the impact on their business should a key employee die unexpectedly.

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Protecting Your Family

January 1, 2020blog, Estate Planning, Family, health benefits, Life InsuranceDenis Bugeja

Let’s face it, raising a family today can be financially challenging. The cost of living continues to increase, housing costs are rising along with education and extra-curricular activities for our children. It is tough to make ends meet and still have something left over at the end of each month.

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Basic Planning for Young Families

October 30, 2019blog, disability, Family, Individuals, Life Insurance, RRSP, Tax Free Savings AccountDenis Bugeja

As a young family, you will be facing a lot of new challenges that you may or may not be prepared for along the way. Whether it’s children, a mortgage, or unexpected expenses that come up, now is the perfect time to start thinking about all the potential pitfalls that may arise.

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Insurance for Businesses: What You Need to Know

September 29, 2019blog, Business Owners, group benefits, Life InsuranceDenis Bugeja

As an entrepreneur, protecting your business is important. You’ve invested your time, energy, and money into creating your new enterprise, which is why it’s so imperative that you take all the necessary steps to protect it.

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Do Retirees and Empty-Nesters need Life Insurance?

August 30, 2019blog, Estate Planning, Life InsuranceDenis Bugeja

Now that the kids are out of the house, you should be shifting your focus on retirement. Since your money isn’t going towards feeding, clothing, and supporting your children (hopefully), you should be figuring out the best way to maintain your quality of life once you retire.

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Contact Us

DPB Insurance and Financial Services

305 Lakeshore Road E, Suite 3
Oakville, ON
L6J 1J3
Phone: 905.829.3019
Toll free: 1.866.811.2711
Fax: 905.829.3088
Email: denis@dpbinsurance.com

Recent Articles

  • Stop Living Paycheque to Paycheque and Start Living
  • Extended COVID-19 Federal Emergency Benefits
  • Self-employed: Government of Canada addresses CERB repayments for some ineligible self-employed recipients
  • 5 Top Financial Planning Strategies For Small Business Owners
  • Impact of Recent Events On Your Estate Plan

About

Established in 1992, our boutique style company is based on the relationships we form with you-our clients. With your input, we can create your very own customized products. Insurance can be a very daunting task, that’s why we work on your behalf to find the best insurance plan and financial options. 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.
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