Views

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

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. 

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.

The time has come to assemble a coalition of defense to remove a structural flaw that has resulted in a waste margin of roughly $4,000 per employee per year.

With more than 400 million health data breaches recorded since 2021, failure to protect plan participants from fraud may serve as fertile ground for class-action litigation.

With raised fiduciary expectations, the health benefits market will move toward more transparent, level-fee structures and fiduciary-aligned advice.

An ability to clearly explain what changed, why it changed and what can realistically be influenced next is indispensable in the face of opacity.

Full disclosure of administrative fees, rebates and spread pricing practices is essential to ensure PBM incentives align with a client's best interests.