Major medical, life, disability: No question those three types of insurance form the foundation of a solid employee benefits program, and likely are part of every conversation you have with your clients. And they’re a great start, but they’re not enough; not if your clients want to offer a competitive benefits package, and not if you want to continue building your relationships with new solutions, opening new doors and increasing your revenue stream.

That’s why you should consider adding accident insurance to your portfolio. You won’t be alone: Voluntary accident sales jumped 11 percent from 2014 to 2015, with nearly a billion dollars in annualized premium and more than $2.4 billion of in-force premium, according to LIMRA’s 2016 U.S. Supplemental Health Sales and In Force Survey.

That trend continued last year, with another 2.3 percent increase in industry sales — and much more than that for some top voluntary carriers.