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Five integrated pillars transform the client conversation, making the "sale" a byproduct of a much richer advisory relationship.

By connecting clients with the latest tools to automate time-consuming tasks and achieve greater operational efficiency, benefit advisers are leveling up their strategic value.

The practical value of a guarantee depends heavily on the contract terms that sit behind the headline.

Technology can help brokers offer employer clients and their workforce a better benefits renewal and navigation experience.

Unlike traditional life insurance focused solely on death benefits, living benefits provide tangible value throughout the policyholder's life and appeal to younger workers. 

Reimbursing employees for physician-authorized medical cannabis gains traction as an alternative to costly pharmaceuticals.

The next era of advisory practice will belong to those who combine holistic guidance with integrated insights and actionable strategies.

The objective is to have a clear view of baseline vs. current Rx trend, documented savings tied to interventions and a reconciliation check on guarantees and rebates. 

The key to success is reviewing an administrator's fiduciary status, licenses they hold with carriers and the agent of record that is going to service the policy.

How one adviser's personal experiences reinforced the value of providing long-term care coverage as part of a hybrid life insurance policy for a superior solution.