We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don't let yourself be lulled into inaction. Bill Gates, from his book, The Road Ahead.

At the recent BenefitsPRO Broker Expo, I presented Asking the Right Questions at the start of the innovation track.

At the recent BenefitsPRO Broker Expo, I presented Asking the Right Questions at the start of the innovation track.

A recent study cited pressure to relax underwriting standards as the top concern of voluntary insurers.

A recent study cited pressure to relax underwriting standards as the top concern of voluntary insurers.

Voluntary marketers should keep in mind that voluntary benefits provide a year-round opportunity.

Think deeper. Ask the right questions. Face the issues.

Voluntary marketers should keep in mind that voluntary benefits provide a year-round opportunity.