Sure, consumers increasingly say they want voluntary benefits. But most aren't being offered at work, which is an important indicator for enrollment — and employee satisfaction.

So says Transamerica Employee Benefits, whose latest study found that 65 percent of employees say it's important their employer offer these products. But 47 percent of employees surveyed said they haven't been offered an additional voluntary product since the Patient Protection and Affordable Care Act became law in 2010.

The findings are evidence that there's a missing voluntary opportunity for both brokers and employers, especially with PPACA in place, Transamerica executives say.

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