Fredrick Edwards, Insurance Agent in the San Francisco Bay Area

08/14/2026

The legacy you leave isn't just measured by the memories you create; it's also the financial security you provide for the people who matter most.

Life insurance can help you protect what you've worked so hard to build.

Newly married? Learn why life insurance deserves a place in your financial conversations: https://ow.ly/7eWj50ZvSVm

03/16/2026

Kemper Life Safeguard Term Life Insurance is affordable protection on your terms. Connect with one of our agents today to get a quote: https://ow.ly/GEe950YrMaP

02/16/2026

https://www.facebook.com/100059456233501/posts/1286132106711985/?mibextid=Nif5oz

Gong hei fat choi.

I seriously doubt that this was a stitching mistake with the horse's snout.

Embroidered with a Chinese phrase wishing swift wealth, the stuffed toy was supposed to kick off the Year of the Horse with a gallop and a smile. But a worker’s stitching mistake turned that expression upside down — and turned the toy into a national emoji for an economy that has lately been more neigh than yay.

At a time of slowing economic growth and dimming job prospects for many workers in China, the toy has been embraced as the “cry cry horse,” and become an internet sensation.

“The economy hasn’t been great, and life’s been tough for a lot of people these past couple of years,” said Zhang Ziqi, a 24-year-old teacher in Hebei province. “That crying expression really matches how most people feel — stressed, anxious, kind of down.”

2026 is not just the Year of the Horse but the Year of the Fire Horse, which according to the Chinese zodiac means opportunities for growth, bold action and rapid change but also greater intensity and the risk of burnout.

Read more: nbcnews.app.link/Re6ILWDuu0b

04/12/2025

https://abc7news.com/amp/post/calif-insurance-commissioner-found-have-spent-30k-lavish-meals-according-sf-standard/16157716/

"Critics' complaints about the lavish meals are multifaceted: Commissioner Lara shared some of these meals with insurance industry bigwigs, who represent the very companies the Department of Insurance is meant to regulate - and at a time when insurance companies are canceling coverage and ceasing new business in the state."

Commissioner Lara's expensive dinners were sometimes with insurance industry bigwigs, and one-third were earmarked as "campaign meetings" despite Lara not actively running for office.

01/29/2025

Happy Lunar New Year and Tết Nguyên Đán!

02/29/2024

Gung hay fat choy! As the Chinese Lunar New Year celebrations conclude, I hope that your Year of the Dragon is fire! 🔥🐉

There will be some changes to agency operations soon. Starting 1 March 2024, no new requests will be accepted for quoting any new Property and Casualty insurance policies. If necessary, I can provide referrals based on your specific needs.

02/22/2024

Hockey player and restaurant chain owner Tim Horton died fifty years ago in a drunk driving accident in his DeTomaso Pantera. Coincidentally, about a decade later, Mötley Crüe lead singer Vince Neil crashed the same model car while drunk and driving to a liquor store to get more booze for the party at his home. In addition to killing his passenger, drummer Nicholas "Razzle" Dingley of the band Hanoi Rocks, two people were also critically injured in the other car involved the collision.

The NHL star, better known today for his Tim Hortons restaurants, was killed on February 21, 1974 when he lost control of his Pantera.

12/25/2023

10/20/2023

"FAIR was created to serve as a temporary solution for homeowners who found themselves unable to buy insurance. Now, with little competition in the commercial insurance market, it is becoming the only game in town for some."

A new rate increase may relieve some pressure—at policyholders’ expense.

07/11/2023

"Farmers Insurance saw a spike in applications for homeowners insurance in California when State Farm and Allstate stopped writing new policies in the state, but the insurer told The Sacramento Bee on Friday that it won’t be accepting any more new business than it had previously planned for 2023."

Although I have been a non-captive insurance agent that works with a variety of standard insurers as well as non-standard/excess and surplus insurance brokers for the past few years, I foresee it to be more challenging in the years to come to shop around for competitive rates at policy renewal time. This news article goes into great details explaining the challenges that Californians are facing now with insurance.

Household insurance brands are cutting off or limiting new business in California. Here’s where you can go to get help finding home coverage options.