Broker Innovation Lab

Most advisors sell products. Very few identify the hidden risks inside them.

This data represents lived experiences, financial pressures, and the broader trends shaping our future. Most importantly, they underscore opportunities for employers, brokers, and all of us in employer-sponsored health care in 2026.

Employers have a chance to step in to provide meaningful support beyond traditional benefits to help build confidence, clarity and long-term security.

December's Wonder Women show us even in the busiest stretch of the year, we can still choose intention, integrity, and impact.

Missed opportunities for prevention and miscommunication drive claims higher, and ultimately, both employers and employees pay the price.

Here are 10 lessons we’ve learned from the last 10 years that every advisor must embrace if they intend to stay relevant and lead in the decade ahead.