“Have to Buy” versus “Want to Buy”

Nobody wants to buy insurance. But it’s a have-to-buy item. If you’re like most people, it’s not that you don’t understand the value of life insurance. In fact, many people believe they need more coverage. You probably wouldn’t mind having more life insurance. It’s just that you don’t want to buy it. Thinking about buying […] Read More »

Answering the Call for Affordable Auto and Home/Renters Coverage

California Casualty, in partnership with PORAC, offers PORAC members Auto & Home/Renters Insurance designed with your needs in mind. California Casualty recognizes that peace officers work every day to provide protection and safety to California citizens. So we at California Casualty strive to protect you with the same honor and integrity by providing auto and […] Read More »

Police and Fire Health Plan 2023 Rates Comparison

CalPERS Open Enrollment Runs from September 19 Through October 14 The 2023 rates for the Police and Fire Health Plan sponsored by the Insurance and Benefits Trust of PORAC, were finalized in June. Our rates are some of the lowest rates available to our members and, in some cases, lower than some HMO plans! The […] Read More »

CalPERS Open Enrollement Schedueling Tool

The CalPERS Open Enrollment Scheduling Tool is live as of July 25, 2022. Visit to learn more. Key dates regarding the CalPERS Open Enrollment Scheduling Tool are as follows: July 25 to August 26: Open Enrollment Scheduling Tool Request Form Open September 6 to October 14: Available dates for onsite and/or virtual Open Enrollment […] Read More »

Understanding and Knowing Your MOUs

Memorandums of Understanding (MOUs) have long been used by Law enforcement associations to negotiate terms between employers and associations, and are a useful tool to develop a trusting business relationship. MOUs record the terms and establish a basic intention between the parties in creating a business relationship and providing a common intention, reducing the risk […] Read More »