A few days ago, as I was talking with one of the employee benefit brokers we work with, she commented that the benefits business has changed radically in the past few years. Think about it, she observed: When I started in the business we didn’t have PPACA to deal with, we didn’t communicate via texting, cell phones were a luxury and there was a very limited choice of voluntary products. She concluded, “My business is completely different today.”

That got me thinking about my focus on the voluntary business over almost 30 years. Do I think the business has changed completely over that time? Has the value of past experience been overshadowed by the issues and technologies of the present?

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