Banco Popular de Puerto Rico

Recently, Mark Lacher was asked to present in a sales seminar for a client. But before he began , several people asked, “Why are you presenting to us, aren’t you in insurance?”

McKinsey & Co. caused quite a stir not only around the insurance world, when it recently revealed that 30% of employers will “definitely or probably” drop their coverage when PPACA takes effect in 2014. While the exact percentage of employers keeping or dropping their coverage in three years remains to be seen, voluntary programs will be valuable to employers and employees alike in either situation.

Waitress Edna and blogger Mike Loncono’s father, a car salesman, had one thing in common — they were plugged in at any task level or job description. Are you?

Commentary: Risk adjustment programs were intended to be self-supporting and clearly this has not been the case, says adviser Craig Hasday.

Commentary: Adviser Vinnie Daboul offers a three-step process to overcome the elements that pose the greatest threat to a broker’s business.

Commentary: Three costs to your business that go beyond monetary loss and have a direct long-term impact on client relations.

Commentary: Changes will attack the costs of health care and trickle down to benefit brokers. These outsiders may or may not see the broker as a valuable resource in their future world, says Joe Markland.

Commentary: Gone are the days of century-old insurance carriers’ dominance at conferences and expos. In are new products, new technology, new vendors and new partnerships. As a result, unique ideas and models are thriving, says Zenefits’ Tim Cerimele.

Commentary: It may ultimately be a greater risk to remain fully insured and continue treating annual health care spend as an expense rather than an investment.

Commentary: If plan fees are a potential liability, the logic is sound that the least amount of fees paid reduces that liability. But, EBA retirement columnist John Ludwig asks, does it really?