What is the best method for enrolling voluntary products? Thesimple answer is the one that gets the best results for the lowestcost. If that’s true, then the real answer to the question changeswith the specifics of each enrollment.

Some might say face-to-face enrollments are best and, in manysituations, this may be true. But if you’re enrolling only onesimple product—say a voluntary AD&D plan—is face-to-face reallyneeded? Probably not. That’s because you may be spending a lot morefor the enrollment than is really needed with only minimal (if any)improvements in the participation results.

This is just as inappropriate as producers who always useself-enrollment for their voluntary cases. Some cases just aren’tsuited for self-enrollment. And what about the current trend towardInternet enrollments? Some people have bought into this as thelatest and greatest only to be disappointed with theresults.