It's not alarmism or hyperbole to state that the future of America's private health care system is at stake in the upcoming election.

Employers can shield their finances and their employees from the second wave of economic devastation.

The 2011 MetLife Broker/Consultant Study found that 58 percent of brokers plan to become more consultative to survive the regulatory and industry changes from PPACA. Yet few brokers really understand what it meansand howto be consultative.