Critical illness coverage: Closing the gap on care
As the popularity of consumer-directed health plans continues to rise, the number of consumers who find themselves with unplanned medical costs is also on the […]
Employee Benefits
Less than half of employed Americans have workplace group life coverage
New survey finds that many employees who do not have voluntary group life insurance provided by their employer say it is because their employer doesn’t offer it.
For first time ever, more Americans covered by employment-based life insurance than by individual
New LIMRA study shows 108 million Americans have life insurance through their workplace, compared to 102 million covered by individual life insurance. It is the first time employment-based coverage has exceeded individual coverage.
Optional benefits: Changing a ‘no’ to a ‘yes’
Contrary to most traditional worksite benefits marketing, which centers on the employer, efforts to sell optional benefits must instead focus on the individuals making the buy/no-buy decision – the employees.
Retirement plan reviews often miss the mark in terms of frequency and focus
ENFIELD, Conn. – Many financial advisors neglect to review the effectiveness of retirement plans with plan sponsors as often as many sponsors want, and, when […]
52% of large employers now offer HDHPs as companies increasingly shift financial responsibility to employees
A new study reveals that 52% of large employers now offer high-deductible health plans (HDHPs), illustrative of a larger trend: companies are altering their plan […]
Employer-owned coverage: A long-ignored market with great potential
“Yeah, I tried that when I was a young producer,” said the life agent. “But it didn’t go anywhere. Too complicated. After awhile, I gave […]
The evolution of high-limit disability plans
Your high-net-worth clients can live the lifestyles of the rich and famous and possess all the supplementary prizes that goes with it; million-dollar homes, yachts, […]
Your existing book and guaranteed issue DI: A driven producer’s formula for huge success
Let’s be real. It is extremely difficult, and sometimes seems downright impossible to make a fortune doing anything – including playing the lottery, let alone […]