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Are you confused about the term “premium” when it comes to insurance? You’re certainly not alone. Understanding what a premium is and why it matters can be tricky, but don’t worry – we’ve got you covered. In this blog post, we’ll break down everything you need to know about premiums and how they factor into […]

In the last five years, Oakland median home prices have shot up from $625,000 to $900,000. This is good news for homeowners who are looking to sell their homes, but it may be a problem for new buyers who pay higher prices. There are additional expenses to consider, such as property taxes and home insurance. Oakland’s average home insurance rate […]

As you are likely well aware, when you buy a domestic appliance online or in a shop, you will be asked whether you would like to purchase an extended warranty. What does it do? Is it worth it to purchase an extended warranty? First, you should consider the policy’s contents. Is it inclusive of parts and labor? This […]

It is becoming more important to consider investing in burial life insurance as we age. It is a smart way to ease the financial burden of the people you leave behind. This policy will ensure you have sufficient funds to cover other fees and debts after your death. There are many types of burial insurance that you […]

Homeowners insurance provides property coverage that safeguards both your house and belongings, as well as liability costs related to accidents occurring on your property. National General offers several standard policy options and discounts, but has an excessive NAIC complaint index and does not offer telematics programs to provide safe driving discounts. Homeowners Insurance Homeowners insurance […]

Blue Cross and Blue Shield provides individual health plans, family health plans, dental/vision coverage as well as Medicare/ Medicaid solutions. In addition, we also offer long term care and disability solutions. The 34 independent, locally run BCBS companies comprising the Federation are committed to serving you, which explains why so many choose them every year. […]

Health Savings Accounts (HSAs) have seen exponential growth over recent years and can serve as an excellent tool for both managing healthcare costs and long-term financial planning. HSAs are tax-advantaged accounts designed for individuals enrolled in high-deductible health plans (HDHPs). HSAs help you save money for qualified medical expenses like deductibles, copayments and coinsurance premiums. […]

If you plan on leaving your home vacant for an extended period, vacant home insurance should be considered. Without someone living there to monitor things regularly, minor issues could go undetected and cause significant damage. Vacant home policies can be purchased both individually or as an add-on to an existing homeowners insurance policy, and will […]

Whole life insurance provides an assured death benefit regardless of when or if you die, unlike term life policies. Furthermore, its cash value accumulates tax efficiently to facilitate any withdrawals or loans3 made during its life span. Financial professionals can assist in helping to determine if this policy type is the appropriate choice for you. […]

Health insurance premiums are one of the costliest benefits employers offer their employees. In 2021, on average, employers covered 83% of an employee’s self-only premiums and 73% for family coverage. To help employees manage these costs more easily, some employers provide them with a stipend to cover out-of-pocket expenses. Here is how it works:. Premiums […]