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Most folks who consult on voluntary or, as I call it, enhanced benefits, have an enrollment arm to their business that acts as an in-house enrollment firm. They also have in-office counselors who conduct one-on-one meetings with employees to educate them on various enhanced benefit offerings. Sadly, those educational one-on-ones are too often the beginning of a product dump that inevitably leads to a commission grab. No rhyme or reason for the product selection, and they certainly don’t sync strategically with what the health benefits adviser has in place.


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