The word “disrupt,” according to, is a verb usedto express “disorder or turmoil,” while “disruption” is a nounthat, in business, means to bring “radical change in an industry[or] business strategy.” Let’s continue disrupting the enhancedbenefits space, or as many of you still refer to it, voluntarybenefits.

Over the last two months, I’ve continued to discuss how the mostinfluential disrupter to the enhanced benefits industry must be thewillingness of the broker community at large to adjust, adapt, andembrace our ever-changing market. How brokers must positionthemselves as either innovators who drive the change or adopterswho follows those innovators and help to steer the change. Thebottom line remains firm: Whether you choose to outsource yourenhanced benefits strategy to one specific carrier, bring it allin-house, or partner with a carrier agnostic firm, you must beproactive and intentional with whatever approach youchoose.

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