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Diane Carruba hasn't been in the same car with her husband in a very long time. She doesn't want them to die together. She doesn't know what would happen to her son. A member of the sandwich generation, Carruba is the primary caregiver to her son - who suffers from ADHD, as well as a seizure disorder that has led to a developmental disability - and also cares for her mother, who is newly diagnosed with Alzheimer's disease

As we are approaching the end of 2011, I thought it would be appropriate to provide some commentary about a winning strategy that we have seen forward-thinking benefits advisers, brokers and voluntary benefits firms employing in the marketplace.

Semantics are supremely important in making or breaking certain lines of insurance.

With serious concerns about medical commission cuts and maintaining top-line revenues, 58% of brokers and consultants are embracing two specific initiatives EBA contributor Nelson Griswold explains in the December issue.

As high-deductible and consumer-driven health plans continue to increase in popularity, EBA spoke with Nitra LaGrander, a product manager at Evolution1, a provider of electronic payment, on-premise and cloud computing health care solutions, for tips on how plan participants who are new to these types of plans can easily access their online accounts and take charge of managing their health care dollars.

Just when you thought you understood hosted solutions and software-as-a-service, the technology industry has moved on to cloud computing. Over the last two years there have been all kinds of announcements of cloud computing companies with a wide variety of capabilities, the most notable being Apple's announcement in May of its iCloud offering.

So I have to tell you, the November EBA really got me fired up. In a good way.

I would like to discuss with you the building blocks of a successful sales culture. Let us start with values and morals. Then we will move on to thoughts which lead to behavior. Behaviors establish a culture, the backbone of your organization.

I want you to imagine that you are sitting at your desk and you get the following call:

Retirement plans collectively - but unwillingly - hold billions of dollars that plan sponsors have unsuccessfully tried to distribute to former participants.