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Commentary: The key issue with this type of sale is an adviser’s comfort level in selling the products.

Commentary: There are many new market entrants promising to reshape the health insurance industry, but which are most likely to succeed?

Commentary: Think beyond commissions, says adviser Beverly Beattie. What if you proposed a different arrangement, one based on achieving certain defined metrics for success?

Commentary: An employer’s argument that their classification of a 1099 employee should be respected because it’s how the employee is classified will go over like a lead balloon. The risk of misclassification under the ACA could be significant, says lawyer Peter Marathas.

Commentary: There are a lot of misconceptions about retirement plans that may keep employees from enrolling. Chad Parks shares are some ways to help businesses navigate these often jargon-heavy waters.

Commentary: What we can do to support them, make them feel more welcome in our company culture and help strengthen our own company in the process.

Commentary: Adviser David C. Smith says he’s seen “a handful of imaginative approaches that all fail to satisfy the IRS’s prohibition” on standalone Health Reimbursement Arrangements.

Commentary: The consequences of moving away from simpler, less sophisticated mortality improvement scales that change infrequently in favor of scales that depend heavily on recent data.

Commentary: Everyone expects to hear from you at open enrollment, but what about the other 11¾ months of the year?

Commentary: For the employer, the need to retain employees is strong and absorbing additional cost in the benefit plan will have strong short-term consideration.