Voluntary Benefits

If you arent looking at these types of products for your accounts, someone else may be.

Long-term care insurance has been a difficult product to sell for some time, and recent events have called its marketability further into question.

Genworth Financial says its long-term care insurance unit did well in the third quarter.

WellCare Health Plans Inc. chopped its 2012 earnings forecast on Wednesday and reported a 57 percent drop in third-quarter net income as the Medicaid coverage provider took a premium hit in Georgia, and high costs hurt its Kentucky operation.

German insurance group Allianz SE says its net income bounced back strongly in the third quarter to 1.4 billion ($1.8 billion).

Although most employers offer some form of life insurance and most workers value that benefit, they don't place as much value on it as they could.