Photo: Vitalii Vodolazskyi/

A Biden Administration initiative to regulate "junk insurance" will have an impact on the brokerage industry and employee benefits, as some popular voluntary benefit programs are covered by the language of the proposed changes. However, industry insiders say there is a long way to go before the regulations are finalized, and that they hope to make the case that the regulations should be adjusted to prevent doing more harm than good.

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