Voluntary Benefits

Though the country has been in the midst of a debate over Americans and health insurance, it seems theres less disagreement on pets and health coverage.

In the insurance game, and especially with health care exchanges looming on the near horizon, employers are constantly looking for ways to cut costs but still offer health care options that create desire for participation by their employees.

Just as is the case with retirement savings, theres a common theme when it comes to Americans and finances: Were just not prepared enough.

We have a long way to go in getting out the word on disability income protection.

It's the financial protection that many will need in retirement but few are willing or able to buy. Long-term care insurance scares off most people because of the cost.

Most carriers (at 75 percent) say more guaranteed issue is the most significant product trend in todays voluntary market. More features and more options came in at a close second, followed by lower participation requirements.