Gil Lowerre is president at Eastbridge Consulting Group; Bonnie Brazzell is vice president of Eastbridge Consulting Group.

Nearly every benefits broker will tell you that they now sell voluntary. Understandably, many brokers are primarily tuned in to the employer's voice during the sales process. For some producers, this remains a default mode, born from their roots focusing on medical and other employer-paid group distribution.

Although this legacy centers on the employer conversation, it's good from time to time to check in on the sentiment among our final customer: the employee. After all, by neglecting this perspective, you may be leaving credibility and revenue potential on the table.

For some distributors, the first question is whether employees will even buy into work-site products. Many producers feel that one of the challenges in finding success in the voluntary market stems from a lack of employee interest. However, employee ownership data would challenge this belief. The recent Market Vision Employee Viewpoint study from Eastbridge found that over half of employees own at least one voluntary product, and 60 percent of employees who own voluntary products own more than one.

With the issue of employee interest settled, another common question concerns which products are the most popular. The same Eastbridge study looked at voluntary ownership by product and, interestingly, it's no longer just the usual suspects. Accident leads the market at 16 percent ownership, with the usual team of traditional products, such as life, dental and vision, close behind. However, non-traditional products are starting to gain significant ground as well. Identity-theft protection now has a voluntary ownership rate among employees of 10 percent, surpassing the rates of products such as voluntary long-term disability and voluntary AD&D. Related: 5 strategies to increase employee participation in voluntary benefits