The results are all in, and 2012 turned has out to be an extremely good year for voluntary sales.

While crisis management has seemed to become the new business-as-usual for the world, the newest elements are blatant attempts by our leaders and the media to stampede us.

While crisis management has seemed to become the new business-as-usual for the world, the newest elements are blatant attempts by our leaders and the media to stampede us. They want us to panic. While panic might serve their purposes (political backlash and selling papers, respectively), its rarely good for the...

Weve been hearing so much about the avalanche of PPACA changes that are about to overwhelm us that its sometimes difficult to maintain perspective.

Weve been hearing so much about the avalanche of PPACA changes that are about to overwhelm us that its sometimes difficult to maintain perspective.

The gap between preferred and actual enrollment methods used is widening in most markets and, as brokers, we have to work to develop and offer modern web-based enrollment solutions in our business models

As the market prepares for the health care exchange system in 2014, look for voluntary benefits to play a larger role.

There are a half-dozen subtle drivers of growth that account for the almost unbroken string of annual sales increases for the voluntary industry.