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Bundles might refer to product combinations, some with pricing and/or underwriting concessions. But at a voluntary-carrier level, bundles also refer to the attempt to combine products, billing, administration and enrollment into a single (hopefully seamless) package.

There are great advantages to a bundled approach. Bundles are simpler, easier to administer, and the carrier usually provides a single point of contact who will often manage the entire process, from sales through to post-enrollment service. Brokers who are new to voluntary, or who have not mastered the potential complexities of unbundled approaches, usually find these packages the most efficient way to offer voluntary benefits.

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