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When considering life insurance, many consumers believe term insurance is the best option. However, this is not always the case. In fact, that choice depends on your life circumstances.

Term insurance only pays out when you die (that is, if you die while the policy is in force), whereas permanent insurance provides coverage for your entire life, assuming premiums are paid when due, and may also include a cash-value component.

To make the best decision, it is crucial that you understand just what you're buying when you shop for term life insurance.

Many employers receive aggressive sales calls from employee leasing organizations or broker representatives telling them they can not only get rid of the administrative headache of handling payroll and compliance, but also reduce their workers' comp costs.

These organizations — known as professional employer organizations (PEOs) — promise to assume various employer human resources responsibilities by becoming the employer on record for the client business's workers, all at lower costs than the employer is paying now. But is the sales pitch too good to be true?

You've probably heard the term "life insurance settlement" countless times on the news or from friends.

It can be confusing since life insurance policies usually only pay out after someone's death. But these settlements can be a life saver for someone with a policy that they've paid into for years and who is now in need of cash.  

Here's the lowdown on these increasingly popular transactions.

Even if you have company cars or a fleet of vans, occasions may arise that require an employee to run an errand in their personal vehicle or one of your employees needs to rent a car while on a business trip visiting a client.

In these circumstances if you don't have the proper coverage, you could be leaving your organization exposed to liability if an employee injures a third party in an accident. Here's how to protect your company against this.

Summer is here and while most of us look forward to picnics, outings, camping and vacations, it's smart to also do a few nips and tucks on your home.

Take the time when the weather is nice to inspect and tackle any maintenance now, well ahead of fall and winter, and to fix any problems before they become major repair projects. Here are some tips that homeowners can follow.

The United States Supreme Court has put a significant dent in California's Private Attorneys General Act, which in recent years has resulted in a surge in legal actions against California employers by their workers.

The law has been a huge thorn in the side of employers, who have been on the receiving end of litigation by workers who allege Labor Code violations. Here's what you need to know.

As we approach mid-year there are about a dozen cities and counties in the Golden State that will be increasing their minimum wage for employers that operate within their jurisdictions.

The state minimum wage is currently $15 an hour for employers with 26 or more workers, and $14 an hour for all other smaller employers, but some cities and counties have higher rates to account for cost-of-living differences.

It's important to keep up with the changes to ensure your company is not breaking wage and hour laws.

Nobody likes to pay their insurance premium. It often gets more expensive over time and the more stuff you have and as your family grows, the more you need it.

But as much as those premium payments are a hassle, insurance actually benefits our economy, and if you ever suffer a serious incident, you'll be happy you have coverage.

There is no set formula regarding how much liability insurance a business needs. However, the more coverage you have, the more bulletproof your company becomes.

If you are running a very successful business, you will probably want minimal disruption if an incident occurs in which you may be seen as liable. Therefore, the more coverage you have, the greater the likelihood that your company will not be affected by such an incident.

Conversely, if you don't have enough coverage, the incident may result in you paying hundreds of thousands — if not millions — of dollars out of pocket. For many companies, that would be a death knell.

As we continue to live increasingly longer lives, countless grown children have taken on the responsibility of caring for their elderly parents. Sometimes, this job includes much more than just physical and mental support — it often requires these grown children to take over their parents' finances too.

If you are caring for an ailing elderly parent and discover heaps of their money is being dumped into a life insurance policy, what should you do?

One of the fastest growing cyber threats to businesses is ransomware, which hackers use to shut down an organization's computer system until the victim pays a ransom to unlock it.

While most organizations focus on the cost of the ransom, which can easily run into the tens of thousands of dollars, the costlier damage is to the company's operations, which can be hampered or completely shut down after their systems are rendered unusable.

Here's what's at stake besides ransom.

Medicare health benefits seem confusing to many people, so it is important to learn what is available and what to expect before you have to sign up.

You have three months before you turn 65, the month you turn and three months after you are 65 to decide how extensive are the Medicare benefits you would like to have. Here are your choices.