When planning for your family’s financial future, one question comes up often: Is life insurance better than savings? Many California families and business owners believe that having money in the bank is enough protection. But when we compare life insurance vs savings , the difference becomes clear. At EPIA Insurance Agency Inc., we help entrepreneurs and families understand how each tool plays a role in long-term financial security. Let’s explore the facts. What Is the Diffe

As a business owner, you carry more than responsibility. You carry livelihoods, long-term plans, and the future of your family. Life insurance is not just about preparing for the unexpected. It’s about protecting everything you’ve built — your business, your loved ones, and your legacy. At EPIA Insurance Agency Inc., we guide California entrepreneurs and families through life insurance decisions with clarity and confidence. Under the leadership of CEO Angel Peil, EPIA has hel

在加州經營小型企業，意味著您需要同時兼顧許多角色。從日常營運到業務成長，員工福利往往讓人感到複雜，甚至被誤以為只有大型企業才負擔得起。 事實上， 員工福利保險是小型企業吸引人才、留住員工並建立長期穩定的關鍵工具之一。 EPIA 保險經紀公司自 1992 年成立以來，已協助無數加州企業主做出安心且合規的保險決策。在執行長 Angel Peil  的領導下，EPIA 持續以專業與關懷，支持企業成長，特別是女性創業者。 什麼是員工福利保險？ 員工福利是指員工薪資以外所提供的保障與福利，幫助支持員工的健康、財務安全與生活品質。 常見的員工福利包括： 健康保險 牙科與視力保險 人壽保險 退休計畫 自選福利（意外、失能等） 在加州，部分福利為法定要求，其餘則為企業自行選擇。 為什麼員工福利對小型企業很重要？ 許多企業主認為員工福利只是加分項，但實際上，它往往是 競爭優勢 。 提供員工福利的好處包括： 吸引更優秀的人才 降低人員流動率與招募成本 提升員工士氣與工作效率 符合加州勞動法規 建立正向的企業文化 對女性企業主與成長型團隊而言，福利更是一種兼顧關懷與擴

Running a small business in California means wearing many hats. From managing operations to growing revenue, employee benefits can easily feel overwhelming — or like something only “big companies” can afford. The truth? Employee benefits are one of the smartest tools small businesses can use to attract talent, retain employees, and build long-term stability. At EPIA Insurance Agency Inc., we’ve worked with California businesses for over 30 years, helping owners make confident