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Commentary: Promote the need for life insurance coverage before enrollment season, says The Standard’s John West, who provides several talking points advisers can address with clients.

Commentary: High-limit personal umbrella coverage can be a door-opener for brokers and consultants, says Sam Fleet, president of AmWINS Group Benefits.

Commentary: Despite perceived cost savings, most narrow networks have actually missed the opportunity to improve value — and their lack of transparency threatens to unleash a ferocious consumer backlash, says Dartmouth's Scott Wallace.

Commentary: Evolving technologies are creating a major shift in the enrollment landscape. Brokers and benefit advisers hoping to offer clients customized solutions need to stay in the know.

Predictions for 2014 open enrollment include more than 3 million employees being covered under private exchanges. Is this the new trend in employer-sponsored health care coverage?

Commentary: Voluntary benefits used to be nice-to-have, now they are must-have benefits, says columnist Nelson Griswold. To sell voluntary to the client, don’t ask, tell.

Commentary: Think about what you would do differently, says columnist Jack Kwicien, because your success depends on it.

Commentary: A good management consultant offers you objective advice and a path to greater prosperity, says Craig Davidson.

Commentary: Follow this step-by-step process and columnist Mel Schlesinger says you’ll be swimming in sales calls.

Commentary: Performance management doesn’t have to be painful, but it is necessary, says Wendy Keneipp of Q4intelligence.