Trends that will shape insurance in 2011 include guarantees, hybrid/combination long-term care products, voluntary coverage, product riders and flexible income options, predicts Mark Konen, president of Lincoln Insurance and Retirement Solutions.

“In today’s environment, we see a shift towards protection products that offset volatility and solutions that offer flexibility,” Konen says. “The need for guarantees has become a compelling driver, along with an increased awareness of risk. As people near retirement, understanding the risks that may lie ahead and planning for the unknown becomes more critical. There is also a movement towards worksite products; as employers search for cost-effective solutions, voluntary coverage continues to grow in importance.”

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