Is it Better to Invest in a Life Insurance or 401k?

Are you contemplating a life insurance policy vs. 401(k)? Are you planning for retirement? If the thought of a whole life insurance policy or a 401(k) overwhelms you, this article can help you weigh the benefits of purchasing life insurance vs. investing in a 401(k). Generally, a 401(k) plan is an employer-sponsored defined-contribution pension account defined in subsection 401(k) of

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What are Certificates of Insurance and Why Do You Need Them?

If you’re a small business owner, such as a contractor, most potential clients will ask to see your proof of insurance before hiring you. Your insurer or insurance agent should typically be able to provide these documents if your policy is active. However, how do insurance certificates work, what are they, and who needs them? Equally important, why are COIs

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How COVID-19 Has Affected the U.S. Insurance Industry

The COVID-19 pandemic has led to the temporary disruption of about 43% of small businesses in the U.S., along with a 40% decrease in the employment rate, as reported by the U.S. Proceedings of the National Academy of Sciences (PNAS). Many businesses cannot reopen, while Americans who lost their jobs have resorted to filing unemployment claims. For instance, in March

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Basics of Equipment Financing 101: What You Should Know

Enacted into law in 2017, the Tax Cuts and Jobs Act offers American construction companies an added tax incentive to procure construction equipment. Under the Act, eligible businesses now enjoy up to $1 million and $2.5 million in allowable deduction and annual equipment purchases, respectively, up from $500,000 and $1 million, respectively. On top of that, the Act increases the

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