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Benefits & Financial Services

    DISABILITY INCOME: OPPORTUNITIES FOR AGENTS

DISABILITY INCOME: OPPORTUNITIES FOR AGENTS

With demand on the rise, agents can turn to a number of sources for solid products and services High-deductible health plans, increased cost sharing, and other Affordable Care Act innovations have made health insurance more available and some premiums more affordable, but they also have created potential gaps in individual economic security. Employers turn to some traditional insurance products—short- and long-term disability policies—to fill those gaps and protect employees from

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    SUCCEEDING IN A CHALLENGING MARKET FOR HEALTH INSURANCE

SUCCEEDING IN A CHALLENGING MARKET FOR HEALTH INSURANCE

BENEFITS AGENCY A small agency gears up to meet clients’ needs for individual and group health coverage When the Affordable Care Act was introduced, many small agents and brokers looked into the abyss of more than 1,000 pages of regulations and gave up on selling health insurance. The compliance issues were too complicated, and the demand for individual health insurance was beyond the ability of their roster of insurers. But

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    BOOMERS HEADED FOR “REVOLVING RETIREMENT”

BOOMERS HEADED FOR “REVOLVING RETIREMENT”

Employers and employees have a mutual interest in a smooth transition Those who are debating whether or when to retire from their life-long work are sometimes offered this philosophical advice: “It is better to retire ‘to’ something than ‘from’ something.” Baby Boomers seem to be heeding that advice, and what a significant number of retiring Baby Boomers are retiring “to” is other paying work, according to research by Strategic Business

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    DENTAL AND VISION: IMPORTANT WORKPLACE BENEFITS

DENTAL AND VISION: IMPORTANT WORKPLACE BENEFITS

Agents and brokers can boost revenue and retention by offering these “must-have” benefits  With all the activity and discussion around health benefits, the Affordable Care Act, the American Health Care Act, and more, it’s sometimes easy to forget there are other important benefits. Among these: dental and vision. The products have been offered for years, and their status as must-have benefits continues to be strong. According to Wendy Herndon, second

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Simplifying retirement plan decisions

Benefits Products & Services Principal personalizes employee choices with online tool; contributions jump Providers of defined contribution (DC) retirement plans have fought a long-running battle urging employees to contribute more to their retirement accounts. Jerry Patterson, senior vice president of retirement and income solutions at Principal Financial Group, recalls that about 10 years ago the industry had “hit the wall” in its attempts to boost employee contributions. “Research suggested that

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