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Commentary: Personal care in times of great distress not only delivers more effective care, but it also does it more efficiently, says Sam Fleet.

Commentary: Hiring a part-timer in commission insurance sales is never a bad thing, says adviser Eric Silverman, who shares two tips to make the best out of the process.

Commentary: It is not necessary to have an intricate knowledge of every IDI product provision to help clients get the income protection they need.

Commentary: Your internal work environment may be holding you back from attracting top people and creating exceptional new experiences for clients. The definition of “work” is changing as quickly as technology emerges and millennials enter the workforce, moving into spheres of influence. None of us, including clients, are limited by a single idea of work and we need to re-imagine it altogether.

Commentary: Hispanics comprise almost 17% of today’s U.S. population. This demographic represents the most significant population trend in Americans under 65 in the next 20 years. This isn't just a population trend, your sales depend on recognizing the cultural shift happening underneath your feet.

Commentary: Delivering fee disclosure notices to both plan sponsors and plan participants has helped some plan sponsors to lower their costs, but the various fee disclosures are still difficult for many to understand. With such a national focus on fees, some plan sponsors have taken the opportunity to review and rethink how they handle plan fees.

Commentary: Columnist Nelson Griswold discusses why sophisticated employee benefit advisers are increasingly discussing self-funding of the health plan with mid-size employers.

Commentary: What should brokers and benefit advisers take away from all the merger and acquisition activity among the medical carriers? The message is crystal clear. Now would be the time to move away from a dependency on medical commissions and take a fee.

Commentary: Big financial moves such as the merger between Willis and Towers Watson announced this week can be quite interesting; and if you study them they may actually tell a story about where these firms think the market is going.

Commentary: With their merger, both Willis and Towers Watson are playing offense, creating a synergy that strengthens both firms by combining the unique strengths of each … the brokerage experience of Willis and the analytical, consultative services of Towers Watson.