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

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

Offering group health insurance is a strong foundation for any employee benefits strategy . A POP plan (Premium Only Plan)  allows employees to pay their portion of group health insurance premiums on a pre-tax basis , rather than after taxes. This structure is permitted under Section 125 , which allows certain benefit payments to be excluded from taxable income when set up correctly. In simple terms, everyone saves money: Employees may reduce their taxable income Employers ma