Communication is trickier than you think. I earned a college degree in it, write and speak about it, talk on the phone six hours a day, and average hundreds of emails each week. I'm a communications professional by every definition of the word. And I'm still sometimes astoundingly bad at it.

We recently launched a new initiative aimed at helping employers with less than 50 employees transition to individual coverage. It keeps the broker engaged in business they are in danger of losing due to PPACA and it creates tremendous opportunities for voluntary.

To me, keeping you engaged in groups you're in real danger of losing, offering solutions to real problems, saving policyholders and employers money, and keeping small business clients compliant are all good things.