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With unemployment at all-time lows, more and more employers are offering voluntary benefits to attract and retain high quality employees. In fact, a recent Aflac study shows that 42 percent of employees say “improving my benefit package” is one thing employers could do to keep them in their job. This is second only to “increase my salary.”

Because of the growing trend in participation with these products, more carriers than ever are competing in this space. According to a 2017 Eastbridge Consulting study, 15 different insurance carriers wrote over $9 million in accident premium. With all of these options, how does a broker or employer compare and contrast these products? Before answering this question, it is vitally important that we define voluntary benefits (VBs).

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