Voluntary benefits are creeping more and more into the everyday dialogue of benefit advisers and managers, but for those just getting involved, partnering with voluntary carriers and other vendors can sometimes be a difficult and crowded field to navigate. Vinnie Daboul, vice president of national accounts at Employee Family Protection Inc., a company that designs voluntary programs for brokers and their employer clients, says finding the right carrier is different for every employer, depending on their workforce size, employee makeup, location, unique culture and so on.

“Here’s the big thing: I don’t think any one carrier is bad,” says Daboul, whose company is based in Glastonbury, Conn. Every broker has a different perspective and a different favorite, he says, usually because of a relationship with a particular salesperson at any given carrier. “Wherever or whoever it may be, our business is still very relationship driven,” he says.

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