Weve been hearing so much about the avalanche of PPACA changes that are about to overwhelm us that its sometimes difficult to maintain perspective.

Weve been hearing so much about the avalanche of PPACA changes that are about to overwhelm us that its sometimes difficult to maintain perspective.

The gap between preferred and actual enrollment methods used is widening in most markets and, as brokers, we have to work to develop and offer modern web-based enrollment solutions in our business models

As the market prepares for the health care exchange system in 2014, look for voluntary benefits to play a larger role.

There are a half-dozen subtle drivers of growth that account for the almost unbroken string of annual sales increases for the voluntary industry.

Just 56 percent of employees say they feel very confident they will make the right decisions during open enrollment, and a majority just keep making the same choices each year or fail to actively enroll, potentially leaving money on the table.

Depending on who you talk to, the small business market is either a totally untapped opportunity for selling voluntary or its a market that is not worth the effort.

What products do you sell when you offer voluntary products? For traditional benefit brokers, too often, the answer is the same products they sell to employers.