If you're curious what are the top product trends in the voluntary market, a report from Eastbridge can tell you.

Most carriers (75 percent) say "more guaranteed issue" is the most significant product trend in today's voluntary market. More features and more options came in at a close second, followed by lower participation requirements.

Only about one third of respondents said there was a tendency for lower prices, about the same as in 2010. All other trends (higher commissions, fewer/more age bands and more shelf rates) received significantly fewer responses.

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