Making the most of life insurance

People understand the need for life insurance. In fact, 80 percent of Americans say that life insurance is something most people need. The need for life insurance to protect an individual’s family in the event of their passing may be obvious to most, but there are a is a whole new way for policyholders to stretch the value of their life insurance.

Posted on July 18, 2017 in Life Insurance

Protect employers and their employees with financial wellness

By: Joe Goolsby, Regional Sales Director, Midwest

Today’s employees face more distractions at work than ever. They’ve got a steady stream of work email, their cellphones are never far away and the internet is often right at their fingertips. When you factor in their personal lives and, increasingly, their financial challenges, it’s easy to see how all the distractions can impact productivity. 

Posted on July 13, 2017 in Industry

Managing benefits doesn’t have to be complicated

The top two reasons for brokers changing carriers are discrepancies in billing and dissatisfaction with customer service. That comes as no surprise to the many in the voluntary insurance industry who know how complicated it can be to implement and manage a benefits program. From handling billing for multiple carriers to implementing new benefits, there are a number of challenges brokers face, but they can all be overcome with the right management and service solutions.

Posted on July 05, 2017 in Industry Trustmark

Employee satisfaction starts with listening

Making sure employees understand their benefits is one of the best ways to increase satisfaction and boost work engagement. But being effective with communication is difficult, just 9 percent of respondents in one study indicated that their organization’s employees were “very knowledgeable” about the employer-sponsored benefits available to them. For those that are able to communicate and engage employees effectively, however, the rewards are significant.

Posted on June 28, 2017 in Employee Communication

Help employers save money by retaining employees

By: Mike Dahlinger, Regional Sales Director, Michigan

Employee turnover is a serious issue for many companies. The costs for replacing an employee can be shockingly high; for highly-specialized employees, some estimates place the cost as high as 400% of the employee’s annual salary. That figure may come down for less specialized and lower-level positions, but the costs remain significant; on average, it’s estimated that companies spend over $4,000 to replace an employee. 

Posted on June 16, 2017

Retirement preparation starts with employee communication

By: Richard Alvarez, Regional Sales Director, North Central Region

If you haven’t already seen the stats about Americans’ preparedness for retirement, brace yourself, because they’re pretty alarming. It’s estimated that nearly half (45 percent) have zero savings for retirement and less than a quarter of people are “very confident” they will have enough money for retirement.1 Needless to say, it’s not a rosy outlook. Fortunately, employers can help get employees prepared for retirement through voluntary benefits enrollment.

Posted on June 05, 2017 in Employee Communication

Supporting employees who are caregivers

By: Christin Kuretich, Director, Product & Innovation

People can wear all kinds of different hats: employee, spouse, parent, friend, advisor and, in many cases, caregiver. More than one in six U.S. employees has, in effect, a secondary job as a caregiver for a relative.1 A growing elderly population means, the number of employees who are caregivers is only going to increase. As pointed out in an article in Employee Benefit News, this raises the stakes for employers when it comes to supporting these employees who are also caregivers.

Posted on May 24, 2017 in Critical Illness Life Insurance

Voluntary benefits are critical for our aging population

Back in February, we wrote an article on how long-term care is a major risk to retirees. The risks, unfortunately, don’t end there. New research highlights the staggering healthcare costs facing Medicare enrollees. This tremendous financial burden our aging population copes with underscores the importance of voluntary benefits in helping to provide protection from healthcare costs.

Posted on May 18, 2017 in Industry

Connecting the dots: The value of voluntary benefits for the workforce

Voluntary benefits are an essential tool for employees’ financial protection. The cost-shift of healthcare expenses to employees is no secret and the growing need for voluntary benefits to help cover those costs is well known. The financial security that comes with voluntary benefits is an end in itself, but for employers, there are plenty of other benefits for the workforce that extend well beyond financial protection; all of which are interconnected.

Posted on May 11, 2017 in Employee Communication Industry

New study: complete benefit solutions are a key differentiator

A new study from BenefitsPRO and Eastbridge highlights the changing landscape of the voluntary benefits industry. Today, more and more brokers are flocking to voluntary benefits as a source of revenue. As these new players enter the market, its lead to several changes in how we see the voluntary industry and what brokers need from their carriers.

Posted on May 04, 2017 in Broker News Sales

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