This year, January 1 brought us not only a new year but also anew decade. What a difference ten years can make. Unlike the lastdecade, this one comes in with a booming economy and a voluntarybenefits industry with an abundance of offerings that isadvantageous for both employees and employers.

Building on the growth and diversification of product offeringsover the past ten years, the voluntary benefit industry is poisedfor expansion and increased adoption over the next decade, astalent attraction and retention continue to a top priority foremployers.

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