Maximizing insurance benefits involves understanding estate taxes and choosing the right ownership and beneficiary for your life insurance policy. Besides estate taxes, threats include probate, gift...

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

The U.S. property and casualty insurance sector is expected to remain profitable in 2026 with a neutral outlook due to strong 2025 performance, aided by a quiet hurricane season and reserve releases....

New laws effective Jan. 1 introduce a wildfire catastrophe fire risk calculator to verify insurers' rates and require insurers to pay 60% of personal property coverage without an inventory list. Two...

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

Key person insurance helps businesses mitigate financial losses if a crucial employee dies or becomes disabled. It provides funds to cover lost revenue, debts, hiring costs, or orderly closure. Key...

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

California is proactively addressing potential health insurance challenges by expanding coverage, improving affordability, and promoting preventive care. The state is implementing strategic reforms...

Compliance in the insurance industry is crucial for fulfilling legal commitments and protecting consumer data. It involves managing various regulations, including consumer protection and anti-money...

Covered California offers affordable, high-quality health insurance plans from major companies, with financial assistance based on income. Nearly 2 million Californians enrolled in 2025, benefiting...

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

Life insurance pays beneficiaries upon the insured's death and comes in two main types: term and cash value. Term life offers coverage for a set period at lower cost, while cash value policies, like...

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

Carryover provisions in health insurance allow expenses from the last three months of the year to count toward the next year's deductible, reducing future out-of-pocket costs. Common in employer...

Homeowners insurance premiums are generally not tax-deductible according to IRS rules, even if included in mortgage payments. Exceptions include using part of the home for business, allowing a home...

Protecting What Matters Most | Your trusted Concord insurance agent, here to safeguard your future and give you peace of mind!

Life insurance is important even if your children are grown and your mortgage is paid off. It can cover funeral expenses, pay off debts, support surviving family members by replacing lost income,...