Insurance carriers today realize that benefits enrollment can be significantly enhanced through the use of innovative approaches that incorporate new technologies. Particularly when it comes to enrolling in voluntary benefits, providers now understand that participation rates and consumer engagement can be greatly improved by applying key principles of consumer behavior and psychology to the enrollment process.

What's driving the market?

Currently, economic and financial pressures in the U.S. are creating stress for employees across companies of all sizes. It's clear that American workers have never been at greater risk. Consider that almost 70 percent of employees have no income protection, according to the Consumer Federation of America (CFA), and that 76 percent of consumers live paycheck to paycheck.