We trade in older cars for new ones and we move to bigger (orsmaller) homes to fit our lifestyle needs. Now, increasingly, wework with customers on trading in their obsolete benefit productsfor new ones. 

The voluntary market has seen a steady increase in thepercentage of business represented by takeovers. Carriers andbrokers who think the voluntary market is not susceptible toreplacement need to be aware of this trend. 

But why? Is this good or bad? 

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