Without claimants, we have no business. We exist because people collect money to help them when something bad happens to them.

How can we lend our expertise when our customer objects to our enrollment recommendations? Here are five ideas.

In simple terms, a zero-sum game is one in which the victories of one competitor are exactly matched by the losses of another.

Use innovation to build your competitive advantage.

It's easy to think of claimants in a negative light.

Practically no one is talking much about the real heroes of the enrollment process: voluntary benefit enrollers.

Last month we covered some of the drivers of change in our business and how information overload can result in the need to be innovative.

Where do innovations come from?