According to LIMRA’s latest U.S. Life Insurance Ownership study, for the first time in history, more Americans are covered by employment-based life insurance than by individual life insurance. To anyone studying the workplace benefits marketplace, this is not too surprising. Life insurance is just the latest example of the importance the workplace provides Americans when it comes to receiving or obtaining many of the financial insurance products they and their families have come to rely on. Over the years, more Americans have obtained their medical, dental, vision, disability, and supplemental health products through the workplace than through retail channels. 

One of the primary motivations for employers to offer benefits such as financial insurance products is they are an extremely important attraction and retention tool; one that companies will continue to use well into the future. And while the workplace benefits marketplace is expected to continue to grow, its future market potential will be limited, in large part, due to five environmental forces.  

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


BenefitsPro Broker ExpoEvent

BenefitsPro Broker Expo will help attendees prepare for new issues, embrace new challenges and find new solutions.

Get More Information


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.