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The Rough Notes Company Inc.

Benefits Lead

    LIFE INSURANCE—STRONG POTENTIAL IN THE WORKPLACE

LIFE INSURANCE—STRONG POTENTIAL IN THE WORKPLACE

LIFE INSURANCE—STRONG POTENTIAL IN THE WORKPLACE Benefit plans supplement employer-paid coverage with voluntary term and whole life By Thomas A. McCoy, CLU Life insurance is a bedrock financial security product for working families. For generations, employers have recognized its importance by including term life as a standard employer-paid benefit. It’s no surprise that as voluntary products menus have expanded, life insurance occupies a dominant position in the voluntary lineup. Life

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    VOLUNTARY ACCIDENT SHOWS STRENGTH

VOLUNTARY ACCIDENT SHOWS STRENGTH

VOLUNTARY ACCIDENT SHOWS STRENGTH Insurers, plan sponsors and brokers find a lot to like Voluntary benefit providers have been piling into the accident insurance market in the last several years, adding it to their existing product line-up—and for good reason. Accident insurance not only offers the appeal of other voluntary products in filling gaps created by high-deductible health plans, but it responds to a distinct risk that is readily grasped

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    CANCER AND CRITICAL ILLNESS INSURANCE

CANCER AND CRITICAL ILLNESS INSURANCE

CANCER AND CRITICAL ILLNESS INSURANCE Employers and insurers stepping up to help employees deal with a dreaded diagnosis When people learn they have cancer, they don’t want to burden themselves and their loved ones with concerns about how they will get by financially while they undergo the grueling course of treatment. If the patient and his or her employer have had the foresight to acquire special insurance for cancer and/or

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    HOSPITAL INDEMNITY HAS UPSIDE POTENTIAL

HOSPITAL INDEMNITY HAS UPSIDE POTENTIAL

HOSPITAL INDEMNITY HAS UPSIDE POTENTIAL Accident and critical illness carriers add HI to their mix Sales of hospital indemnity (HI) insurance are growing, riding the coattails of other supplemental health products in the voluntary market, particularly accident and critical illness (CI). Sales of all supplemental health products are driven largely by the need for employees to fill gaps created by higher deductibles and copays in their major medical coverage. According

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    DISABILITY INSURANCE IN A CHANGING WORKPLACE

DISABILITY INSURANCE IN A CHANGING WORKPLACE

Coverage plays an important role in contemporary employees’ financial security Employers are facing a whirlwind of change in the post-recession economy. Employment is booming and competition for quality workers is on the rise, as employers hunt for skilled staff members to implement new technology. And the workers themselves are changing. Same-sex marriages, blended families and non-binary relationships are changing the definitions of family. But no matter how their families are

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