There have been plenty of changes in the voluntary market in the last decade, so what do the next 10 years have in store for us? (Photo: iStock)

“We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don’t let yourself be lulled into inaction.” Bill Gates, from his book, “The Road Ahead.”

This quote got me thinking about changes in the voluntary marketplace we can expect in the next 10 years. But first, let’s reflect on the changes in the voluntary market over the past 10 years.

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