Articles

Having a life insurance policy is a must for anyone with a family reliant upon their income. If you were to die without a life policy to protect your family, they could very easily find themselves in an insurmountable financial crisis. A life insurance policy works to...

Too many families and small business owners overlook the foundational financial planning step of getting sufficient life insurance protection in place. According to LIMRA, about 48% of U.S. families are significantly underinsured, and about 37 million Americans have...

One of the daunting issues that hangs over many people's picture of their ideal retirement is the tax implications when they start withdrawing funds from their 401(k) plan or IRA. If you've been diligent about socking money away in your retirement plans, your income...

After the kitchen, the garage is the second-most common place in the home where fires start. There are some 6,600 garage fires that cause an estimated $457 million in property losses every year, according to the U.S. Fire Administration. The danger is that these...

As weather systems and storms grow more frequent, more severe — and wetter — more areas that were once considered safe from flooding are now exposed. That puts many homeowners in a quandary. They may live in an area that's considered low risk by the Federal Emergency...

Many homeowners who are renovating their homes, or building a new one, make the expensive mistake of not securing additional coverage during the construction phase. A fire may destroy your materials and equipment, or thieves clean you out in the dead of night. When...

The majority of homeowner's insurance policies have what's known as "replacement coverage," which will cover the costs of repairs or reconstruction to rebuild your home to its original state after a covered event. But thanks to rising costs of construction, including...

Regulations enacted in late 2022 require insurance companies in California to recognize and reward homeowners that take steps to harden and protect their homes from wildfire risk. The regulation is aimed at bringing some semblance of relief for homeowners in areas...

More and more residents of smaller towns and cities in California are facing a stark reality of having their insurer non-renew their homeowner's insurance policy, only to find few if any other carriers willing to step up to take on the risk. The reason, of course, is...

Life in most of parts of California comes with the inherent risk that an earthquake can strike suddenly and without warning. You probably didn't know that the state has more than 10,000 seismic events every year, but fortunately most of them are too small for people...

A new study has found that individuals enrolled in high-deductible health plans (HDHPs) are more engaged than their traditional plan counterparts during open enrollment, spending more time on choosing plans and using employer-provided tools to help them make their...

A bipartisan group of House legislators in February reintroduced legislation from 2022 that would pave the way for employer-sponsored, stand-alone telehealth benefits plans. The bill is important as the current law allowing health insurers to cover telehealth benefits...