Voluntary

Post-election, for those who were waiting for something to happen that might change the course of health reform, you can stop waiting. A recent Mercer study found 15% of clients were waiting on the election to start implementing health reform, anticipating a change in administration would either repeal it, fundamentally change it, or roll back some of the provisions - which was probably more feasible. That not being the case, I think everybody out there should start making plans for 2014 based on the law as we know it.

Access to quality life insurance for middle and lower income families has disappeared over the past 10 to 20 years. A life insurance agent simply cannot make lower income American’s a primary market and be financially successful, says blogger Tinker Kelly. But how can you overcome that?

Businesses can help the thousands of children who need parents by offering adoption benefits — which are relatively simple and affordable — and by raising awareness in their communities

Leading insurers come together for an education campaign in light of research showing LTD claims are rising as group coverage drops.

Most people believe the current economic climate has made life insurance more relevant, but a majority has not calculated their need and many avoid discussing the topic at home, according to a survey by ING.

The effects of lost workplace productivity due to concerns over issues at home are tangible and rising says ARAG

Numerous group disability insurance providers provide their take on the market and where it is going.

Rates of hearing loss in the workplace are rising rapidly and screenings and treatments to deal with the problem need to be strategized by employers who want to keep experienced workers.

The consulting firm finds that almost a third of voluntary sales in 2011 were to the largest employers, but no market has reached its saturation point.

Combining voluntary and permanent life to help employees.