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Identifying the health risk factors for your clients' employee population is the fabric of your wellness bag of tricks. An effective program connects a total wellness solution to those specific risks. The trick is finding the right motivator for changing unhealthy behavior.

With health care reform's medical loss ratio rebate reporting starting this month, there is still much uncertainty among employers about how the rebates will work, leading to an opportunity for brokers to fill that all-important trusted adviser role.

Anyone doubting the sustainability and projected growth of mobile technology should take heed of these statistics from technology and communication leaders Qualcomm Life and Virgin HealthMiles.

As health care consulting and cost analysis become more and more complicated, brokers can help clients reduce costs by using data mining - a field that is constantly evolving with new technology and tools.

A few weeks ago, my husband and I met with a financial planner for the first time. Setting up the appointment was my idea - I suppose three and a half years of constant exposure to press releases entailing Americans' alarming lack of retirement preparedness will do that to a person.

April 3, 2012 5:30 a.m. As I stagger to the Keurig, I notice the flashing words, "NOT READY." I emphatically agree with the machine and tell us both to suck it up. As I savor the first cup of coffee, I grab my iPhone and read those ever-so-important emails that happen between 10:00 p.m. and 5:30 a.m. I truly believe a lot of people suffer from insomnia. I also believe that people think about insurance as a last-ditch effort to combat it.

When thinking about their retirement and savings needs, women investors want to know they are working with someone who understands and listens to them - they want to talk to a woman.

I've written previously about wellness and health management, but since it's a topic that comes up in virtually every client planning meeting I have these days, it seems worth revisiting. The biggest challenge facing HR professionals looking to devote resources to wellness initiatives at their workplaces is responding to the question, "What's the ROI?"

I've always been sporty: I climbed trees and played sports as a kid, go to the gym often and think that in my next life I'd like to be a personal trainer. So, I was very interested in talking to Dr. Jack Groppel, co-founder of the Human Performance Institute and vice president of applied science and performance training at Johnson & Johnson's Wellness & Prevention. According to Groppel, there is a way to bring sports - or at least sports-related concepts - into the workplace to make employees more engaged and productive. Recently, he and I discussed the idea of "sport science" and how its application in corporations could produce winning ways. -K.M.B.

Even as the Middle East has become a major business and tourist hub, U.S. companies that send executives to the area or hire local workers still express dissatisfaction with the insurance markets.