Resource Center

Between critical shifts in healthcare and the mass movement to a virtual workplace, the benefits industry is on the brink of a revolution. Now more than ever, your clients are looking to you for guidance. As we move into open enrollment season, do you have the tools to succeed in this new world?

Download this playbook to get four key strategies you can use to give your clients what they need, when they need it. This includes how to:

• Increase productivity and streamline your workflow, ensuring accurate client data is at your fingertips.
• Create and communicate your winning strategy to clients.
• Provide clients with a seamless experience on both digital and traditional channels.
• Increase client satisfaction to renew and retain more business.

Act now to find a better way to tackle renewal season. Learn how you can reduce stress, more easily upsell new solutions, and win business.

Due to the COVID-19 pandemic, your employees now expect you to provide the resources required so they can work safely – remotely or on-site – and access to healthcare in a more flexible way. In the current environment providing telehealth services for both physical and mental health will help you address workers’ changing needs.

Download this white paper now for four factors you should consider when evaluating a telehealth platform to ensure it engages employees and delivers effective results. These include:

• Ways to take the stress out of healthcare access
• How to limit wait times through telehealth services
• Why it’s important for employees to have access to virtual primary care and multispeciality services
• Options for providing telehealth to the entire family

With a “return to normal” still far away, you must adapt to the world the way it is now. Offering a program with telehealth benefits that will continue to provide aid long after the pandemic is over is key to helping your employees.

This year’s open enrollment season brings additional pressures because most of your clients’ employees will probably review their benefits options with more scrutiny as a result of the COVID-19 pandemic. This means you must stay competitive and up-to-date with the latest trends to gain and retain clients in this competitive market. Being well versed in personalized benefits, and the "how," "what," and "why" of personalization, can give you a competitive edge.

Download this white paper now to learn how to implement a personalized benefits program for your clients and why traditional benefits may no longer be enough. You will discover: 

• How many of your clients’ employees feel about their current benefits options
• The differences between traditional and personalized benefits in a side-by-side comparison
• How personalized programs help your clients
• What you and your clients need to consider as you roll out personalized plans

In this year of unparalleled challenges, find out how customization can help you better serve your clients and their employees,making retention and renewals easier.

Due to the COVID-19 pandemic, your clients must now provide their employees with the required resources to work safely – remotely or on-site – and access to healthcare in a more flexible way. The current environment accelerates the necessity of telehealth services for both physical and mental health. It also provides a prime opportunity to offer telehealth solutions to clients that will address their changing needs.

Download this white paper now for more insights on the changing healthcare environment, as well as four factors you and your clients must consider when evaluating a telehealth platform to ensure it engages employees and delivers effective results. These include:

• Ways to take the stress out of healthcare access
• How to limit wait times through telehealth services
• Why it’s important for employees to have access to virtual primary care and multispeciality services
• Options for providing telehealth to the entire family

With a “return to normal” still far away, you must help your clients adapt to the world the way it is now. Discover why strategically offering a program with telehealth benefits that will continue to provide aid long after the pandemic is over is key.

Since this year’s traditional benefits planning cycle has been completely upended, you must find ways to adjust and continue to add value to your client relationships. Adding flexible solutions to your portfolio so you can guide clients through this time of uncertainty and address their unique needs is key. This may mean helping them during off-cycle times and looking at their benefits options through a different lens.

Download this infographic now to get a how-to guide for increasing flexibility in the benefit planning cycle with innovative supplemental insurance solutions. You will learn how to avoid traps, including:

• Once-a-year planning
• Getting stuck in cost conversations
• The pain of plan changes

Discover how flexible timing, coverage and support gives you the power to help clients of all sizes and budgets. Use this strategy to show clients how they can increase their resilience and why they can rely on you in this difficult environment.

Even in a healthy economy and without a pandemic, employee financial health has a big impact on your clients. Financially healthy employees are more engaged, more productive, and more likely to stick around. The chaos created by COVID-19 only increased the sense of urgency to have options in place to help scared and hurting workers. While financial wellness is not a pandemic-specific need, it is now top of mind for clients.

Watch this on-demand webinar now to get a better understanding of how you can design a financial wellness program for clients that will boost employee loyalty and satisfaction. This includes how to:

• Create a pathway for employees to resolve short-term financial emergencies
• Offer free and worthwhile financial counseling
• Implement scalable employee-focused benefits that require zero extra budget

Discover how the City of Phoenix put their financial wellness program into practice and how your clients can duplicate their success. Take steps now to ensure your clients provide what their employees need.

Even in a healthy economy and without a pandemic, employee financial health has a big impact on your organization. Financially healthy employees are more engaged, more productive, and more likely to stick around. The chaos created by COVID-19 only increased the sense of urgency to have options in place to help your scared and hurting workers. While financial wellness is not a pandemic-specific need, it is now likely top of mind for most employers.

Watch this on-demand webinar now to get a better understanding of how you can design a financial wellness program that boosts employee loyalty and satisfaction. This includes how to:

• Create a pathway for employees to resolve short-term financial emergencies
• Offer free and worthwhile financial counseling
• Implement scalable employee-focused benefits that require zero extra budget

Discover how the City of Phoenix put their financial wellness program into practice and how you can duplicate their success. Take steps now to ensure you provide employees what they need.

Now more than ever, employers need timely insights as they navigate the unprecedented challenges arising from the COVID-19 global pandemic. This whitepaper unpacks and examines these challenges, to help you assess your situation, formulate a response and build a return to workplace strategy that protects your employees and organizational goals. 

See how your organizational wellbeing can thrive in an uncertain economic environment with insights into a wide range of return-to-workplace challenges, including: 

• The importance of resiliency
• The human and economic cost of loneliness
• Ways to return to the workplace with care, compassion, and confidence
• How to evolve your performance management
• 5 strategies for re-prioritizing healthcare spend
• And more!

Download this white paper for insights into protecting your people, your property and your profits.

Your small business clients and prospects feel unprecedented pressure from the damage the pandemic continues to do to the economy. Now is a great time to show that you understand a small business owner’s decision-making process and establish yourself as their MVP. You must demonstrate that you can service their business and their employees’ unique needs, especially now.

Download this study now to get insights to help you serve small-business clients and prospects, including:

• Knowledge gaps you should be aware of in your communications
• A 4 step-strategy to help you increase your value with better engagement 
• Tactics to help them be more efficient and effective

Because small businesses owners wear many hats and are always looking to be smarter with their money, your expertise is crucial. Help owners navigate a continuous flow of conflicting demands so they can do what’s best for their employees and bottom line.

Wild swings in healthcare and insurance costs have made a mess of traditional approaches to employee healthcare — and resulted in a marketplace ripe for disruption. Most mid-sized clients are either fully-insured (over-insured) or self-insured (under-insured), and many are tired of chasing the cheapest rate and changing carriers every year. But what if there were a way to serve as a long-term strategy partner and help clients buy just the right amount of insurance? Spoiler alert: there is.

Download Pareto Health's white paper to learn how to reduce healthcare costs and year-to-year volatility with captive insurance. You will also discover:

• How to break your mid-sized clients out of a vicious cycle
• How to grow your business by 40%
• How captive insurance is redefining healthcare delivery as we know it
• How Pareto’s captives help brokers differentiate themselves from their competition content with the status quo

Unprecedented times call for innovative insurance. There has never been a better time to be a trusted advisor — with unparalleled access to Fortune 500 level cost containment tools for a largely untapped part of the market. 

As the country starts to move to the next stages of reopening, you have a unique opportunity to help clients develop responsible return-to-work plans. By helping them offer and implement a comprehensive virtual care solution, clients can ensure employee safety remains a top priority. Your assistance in this process could be invaluable. 

Download this guide now to learn about key factors your clients must consider as they make their plans and receive 5 tips that will help them re-open with confidence. Topics covered include:

• The benefits of virtual care, such as increased access to high-quality care and virtual mental health consultations
• The importance of staying informed about local pandemic data trends
• Different tactics clients can use as they contemplate a return
• Specific recommendations for monitoring employee health and what to do if an employee tests positive for COVID-19
• And more… 

Act now to give your clients the guidance they need in this uncertain time.

Employers are always looking for new and better ways to increase return on investment. This is especially key in areas such as health benefits or financial wellness programs. However, it’s difficult to know what success looks like and how to measure your progress. It helps to examine how another company made it work and follow their lead to boost savings. 

Download this case study now to get insights on how to drive a successful consumer-directed health strategy. You will learn:

• How to increase enrollment in consumer deductible health plans (CDHPs) and Health Savings Accounts (HSAs) 
• Ways to improve employee financial wellness
• Where savings for your organization can come from

You don’t have to reinvent the wheel when it comes to reaching your goals. Use the lessons of others to improve ROI.

Your employer clients are always looking for new and better ways to increase return on investment. This is especially key in areas such as health benefits or financial wellness programs. However, it’s difficult to know what success looks like and how clients can measure their progress. It helps to examine how another company made it work and show clients how to follow their lead to boost savings. 

Download this case study now to get insights on how clients can drive a successful consumer-directed health strategy. You will learn:

• How to increase enrollment in consumer deductible health plans (CDHPs) and Health Savings Accounts (HSAs) 
• Ways to improve employee financial wellness
• Where savings can come from

Your clients don’t have to reinvent the wheel when it comes to reaching their goals. Use the lessons of others to help them improve ROI.

Many Americans say they are concerned about their finances, but saving money is not something they do easily, or well. While it’s not your responsibility to improve workers’ saving or spending habits, offering financial wellness solutions can relieve stress and improve productivity. Understanding what employees want and need when it comes to financial freedom and how you can help is key to your benefits strategy.

Download this white paper now to get insights on how to help employees stay financially free so they are happy and more productive. Topics discussed include:

• How debt affects the way workers perform
• Why employees are in desperate need of financial benefits 
• Common misconceptions about financial wellness benefits
• Financial loan programs and how they work to help employees break free from the cycle of debt
• And more… 

Find out how you can help your workforce get financial freedom!

Many Americans say they are concerned about their finances, but saving money is not something they do easily, or well. While it’s not your clients’ responsibility to improve their workers’ saving or spending habits, offering financial wellness solutions can relieve stress and improve productivity. Help your clients understand what their employees want and need when it comes to financial freedom,how they can help, and how it may benefit their organization.

Download this white paper now to get insights on how to help clients make employees financially free so they are happy and more productive. Topics discussed include:

• How debt affects the way workers perform
• Why employees are in desperate need of financial benefits 
• Common misconceptions about financial wellness benefits
• Financial loan programs and how they work to help employees break free from the cycle of debt
• And more… 

Find out how you can help your clients and their workforce get financial freedom! 

As Americans live longer, they are facing an increased risk of developing a chronic illness. 6 in 10 Americans have at least one chronic illness, and 4 in 10 have two or more.* Even with health insurance, the expense associated with chronic care can be significant and, in many instances, poses a real burden to many families. As a result, the need for chronic care is a big worry for many American workers.

Download this infographic to inform your clients of the growing impact of chronic illnesses. You will also discover potential solutions to help protect workers from the financial burden of a chronic illness, at little or no added cost for your clients.

Take steps now to help clients and their employees  prepare for both what’s now and what’s next. 

*Longtermcare.gov, U.S. Department of Health and Human Services. 2019.

Carve-out coverage is a powerful way to help manage overall health plan costs. But what is carve-out coverage and how is it compliant? The key is understanding excepted benefits. 

Access this interactive infographic now to get insights on the four categories of excepted benefits:

1. Secondary or incidental benefits
2. Limited-scope benefits
3. Independent, non-coordinated benefits
4. Supplements to certain primary health coverage

Excepted benefits are exempt from many of the federal laws regulating primary health plans, such as nondiscrimination rules, enabling them to be offered on a carve-out basis. Discover how your clients can leverage carve-out coverage to find the right balance between offering valuable benefits and meeting their budgetary goals.

In this unprecedented time, establishing trust with your team, partners, and clients is more important than ever. And while it’s easy to say you need to focus on relationships, it can be difficult to achieve. It doesn’t have to be. By embracing tools that will give you access to information at the snap of your fingers, you can strengthen the bonds that matter most to your business.

Download this infographic now to get simple tips to help you leverage data to improve connections with clients, employees, and carriers. You will discover how to tackle problems such as:

• A lack of transparency surrounding critical information for clients
• The need for more accountability and openness with your employees about performance
• Incorrect or missing commission payments

Act now to learn how you can harness data to grow your business. Help your team thrive, prove your value, and show you are not just a broker, but a trusted partner.

As you know, client retention is one of the most important aspects of your business. To make sure your clients don’t look elsewhere, you need to meet evolving expectations while providing consistent value and positive experiences. Clients know they aren’t your only priority, but they want to feel as though they are. 

Download this white paper now and receive strategies to help boost client retention, including:

• How you can simplify processes to save clients time and energy
• Ways to help clients (and their employees) understand health insurance terminology
• Tactics for guiding employees to make informed benefits decisions
• Leveraging your expertise to give clients a personalized experience

As your clients ramp up for open enrollment season, it’s a prime time to show yourself as an indispensable team member. Find out how you can enhance their client experience! 

It’s likely a challenge you face every year: It’s difficult to drive ROI for your benefits program because your employees don’t choose the right plans. This is because employees feel they don’t have enough information to make the right choice. Often this lack of knowledge around healthcare benefits leads to passive behavior or total avoidance. But  the right messaging at the right time can help you overcome specific challenges and drive employee engagement. 

Download this white paper now to learn how you can connect with employees and guide them to the best plan options. This includes:

• Fine tuning your communication strategy by varying frequency and  channel
• Simplifying the decision-making process so it’s clear and concise
• Providing various support tools that make enrollment easier
• And more… 

As open enrollment gets closer, your employees rely on you for guidance and information. Act now to increase engagement, save money, and achieve your organization’s goals.

Helping to drive ROI on your clients’ benefits programs requires guiding employees to the right plans. However, this is difficult because employees don’t have enough information to make the right choice. Often this lack of knowledge around healthcare benefits then leads to passive behavior or total avoidance. But the right messaging at the right time can help overcome specific challenges and drive employee engagement.

Download this white paper now to learn how you can help clients connect with employees and guide them to the best plan options. This includes helping clients to:

• Fine tune their communication strategy by varying frequency and channel
• Simplify the decision-making process so it’s clear and concise
• Use tools that make enrollment easy 
• And more… 

As open enrollment gets closer, your clients look to you for guidance. Act now to help them save money, increase engagement, and show yourself as a valuable member of the team.

The answer to two questions could be the key to unlocking your potential: Why are some retirement plan advisors more successful than others? How do they consistently generate new business when relatively few plans change recordkeepers in any given year?

As you look to generate and sustain new business, you know a comprehensive, multi-channel strategy can work. But it’s hard to build awareness and drive engagement while also trying to build lasting relationships. You need a mix of marketing tactics that will enable, educate, and excite clients as they consider options for retirement and shorten your sales cycle.

Download this white paper now for ideas and a task list to help you build awareness and trust, ensuring that every conversation with prospects and clients counts. You will discover:

• Specific tips for prospecting successfully, including identifying ideal clients and how to broaden your reach
• Why targeting “hot spots”and leveraging your expertise to educate potential clients is critical
• Ways to drive engagement by becoming a problem solver and staying ahead of the curve
• And more...

Learn how you can achieve your goals by connecting with prospects and clients over time, allowing them to see you as a valued resource and partner. Get your game plan for an inspired marketing strategy now! 

As Americans continue to age, the market for chronic and long-term care solutions will continue to grow. Many of your clients’ employees (of all ages) don’t understand the options for long-term care and how much it costs. Use the results of a recent survey to determine what your clients and their employees need so you can deliver appropriate solutions.

Download this report now to get an overview of consumer perceptions on chronic care, including what they do and don’t know. This includes:

• The growing impact of chronic illness in the United States
• Why many people are not prepared financially for the possibility of a chronic illness
• How well people understand the solutions available to them

Leverage this data into customized chronic care offerings for your clients, so their employees can get the support they need.

COVID-19 has altered the 2020 healthcare landscape as many analysts now predict a net-decrease in costs for 2020. However, this trend will be short-lived as the prognosis for 2021 and beyond is much worse.

These realities will likely significantly impact 2021 budgets and the savings from 2020 will not be sufficient to offset these upcoming cost increases. With this in mind, you must consider strategies to directly address impacts on healthcare cost and access to care to mitigate long-term effects of the pandemic.

Download this white paper to get a better understanding of what you can expect to change as the coronavirus continues to cast a shadow over healthcare so you can budget accordingly. You will learn: 

• 4 healthcare cost scenarios employers should be concerned about
• Predicted healthcare cost impact models
• Strategies that impact the healthcare cost problem

As most of the world continues to react to the pandemic, take the opportunity to be proactive and prepare your business and employees for what’s to come.

These times are unprecedented, and the future appears rocky. It’s hard to know what client needs will come your way. As the coronavirus and economic crises continue to unfold, clients may need to pivot or address specific needs. You can be ready to help them make the right benefit changes for their businesses and their employees. Prepare with creative new strategies to meet these new and unpredictable needs. 

Download this how-to-guide to be ready to meet clients where they are now and where they will be next year. One way to do this is through employer-paid supplemental insurance plans. These solutions can help address client needs and:

• Soften the impact of unanticipated primary medical plan changes
• Control costs by leveraging tax efficiency*
• Address specific problems or needs during and after this time

By offering flexibility and helping clients adapt to the changing environment, you can show your value and enhance your relationships in an uncertain time.

*This is not local, state or federal tax advice as each person and company is unique. It is recommended that you seek the independent counsel of a professional tax adviser.

Many of your clients continue to struggle with potentially crippling health care costs while trying not to put too much of a burden on their employees. Solutions often involve using some sort of High deductible health plan (HDHP). Another offering that can help is a medical expense reimbursement program (MERP), which runs adjacent to an HDHP and pays workers’ medical claims as they come in. This type of product can help your clients get more from their investment into employee health care, and having it in your toolbox can help differentiate you amongst your competitors.

Watch this on-demand video now to get a better understanding on how a MERP works and why it may be the right solution for you and your clients. This includes:

• The advantages of a MERP over a traditional HRA
• Why this offering would appeal more to fiscally conservative clients 
• Ways a MERP limits out-of-pocket costs for employees
• The benefits consultants/brokers receive in terms of end-to-end support and consistent compensation

Your clients are looking for new and different ways to combat health costs. Demonstrate why a MERP may be the best offering for them.

In this time of uncertainty, employees are thinking critically about what matters most for their families. The COVID-19 crisis will affect each family differently, but overall an increased focus on health and finances is likely. Offering voluntary benefits (particularly health-related ones like critical illness, disability or hospital indemnity) can provide peace of mind for your clients’ employees by filling any coverage gaps in a flexible, and relatively inexpensive, way. This is especially true if your employer clients have to cut back on core health plans in order to conserve cash in this difficult time. 

Download this white paper now to understand 10 reasons your clients and their employees want voluntary benefits. This includes:

• Ways they fill coverage gaps
• Portability 
• Tax savings
• Higher morale
• And more… 

Now is the time for your clients to move forward with a more tailored approach to employee benefits - one that will help their employees through this difficult time and ensure they can maintain their bottom line as well. Get info to help them understand the role voluntary benefits can play!

During this time of increasing stress, the global mental health crisis is no longer something employers can ignore. Many of your clients’ employees experience undiagnosed mental health issues, and as they struggle to cope with problems, it interferes with (and limits) both their work and life. While your clients may know it is imperative to improve access to mental healthcare and reduce the stigma associated with mental health conditions, they may not know how to achieve these goals. However, you can help.

Download this report now to get insights on how many employees feel about mental health and what the responses can teach your clients. Topics discussed include: 

• The size and scope of the problem, including how much it affects younger workers
• Why many employees don’t seek help
• What employees want from their leaders
• Four recommendations  your clients can implement to advance mental health resources and support

Employees may be feeling more stress now than ever, harming productivity and ultimately hurting clients’ bottom line. Take steps now to show them how to give workers the resources they need.

In this time of uncertainty, your clients feel more overwhelmed than ever. They likely don’t have the bandwidth to sort through different supplemental health options before their upcoming open enrollment. To help them, you need to be able to explain the distinctions between benefits options, and understanding and translating the vocabulary can make a big difference. For example, do your clients know about employer-paid supplemental plans and how much more it can cover? Armed with this knowledge, you can point clients toward solutions that work better for their unique organizational needs and employees. 

Download this guide now to get insights on how supplemental health insurance works in theory and practice, and the terminology you need. You will be able to explain to clients:

• What types of supplemental health insurance exist
• Key differences between types of plans, as well as the advantages and disadvantages
• Why adding supplemental insurance to what they offer to employees makes sense
• And more… 

Use this guide to direct your clients to benefits that are right for their organization. This can help them reduce expenses while still providing employees the coverage they need.

A healthy, resilient workforce is often described as the most valuable asset of any business. Yet many employers witness the deterioration of this asset due to health problems that result in absenteeism, excessive turnover, lost productivity, and higher insurance premiums — all of which can threaten profitability. Understanding the bond between corporate and employee health, as well as proactive measures employers can implement to resolve the enormous challenges employee health costs create, is critical for brokers and HR managers alike.

Download this eBook now to get more information on why your clients should establish workplace health programs and how voluntary employee benefits can help. You will learn about:

• Four targets to help reduce healthcare costs
• The economics of a healthy workplace and why it’s a win-win strategy
• How improving employee wellness increases clients’ financial health
• Ways small steps can yield huge results
• Tactics for designing effective and engaging workplace wellness programs

Making sure your clients’ employees stay healthy can get pricey, but continuing health problems cost far more. Helping clients make even incremental improvements can make a big difference and show your value as a trusted partner. 

When trying to help clients understand different supplemental health options, sometimes it’s best to go back to basics. If you are able to point to individual examples, you can show the specifics of how different types of plans help their employees remove any gaps in coverage. This approach also helps you demonstrate that all plans are not created equal and which choices are best for their organization and employees.

Download this infographic now for a simple way to show clients a direct comparison of two people with the same medical conditions and different supplemental health coverage. You will help clients to understand:

• How various plans cover medical expenses differently 
• Why expense reimbursed insurance plans can help both clients and employees
• Ways to leverage their new knowledge to protect their bottom line 

Sorting through the wide variety of supplemental health options can be confusing and overwhelming. Help your clients cut through the clutter with this tool so their benefits options will best serve their employees.

From celebrities and media, to close friends and family, there is a noted uptick in mental health conversations around the world. However, one clear exception continues to be in the workforce, where concerns about the stigma and the negative impact it may have on careers continues to dominate. Because of this your clients likely need help fostering an environment that is supportive of mental health discussions in their workplace.

Download this conversation guide now to use as a tool with clients and help them embrace productive and successful mental health discussions with employees. Topics covered include:

• What needs to happen with body language
• Why confidentiality is key
• Specific tips on what needs to be conveyed during the conversation
• How to follow-up on these types of discussions well

There is no health without mental health, so your clients need your assistance to ensure mental wellness is valued from the top and visibly endorsed by their CEO and all managers. Give your clients the helping hand they need to make sure their employees stay satisfied and productive.

New benefit trends are emerging quickly, and one thing is clear: the one-size-fits-all approach isn’t enough for employers to keep high-caliber talent on staff. Tailored benefits offer a win-win approach, with many addressing troublesome coverage gaps. The most important way to move forward is knowing how to effectively tailor benefits to give your clients and their employees the greatest advantage.

Download this eBook now to learn about the best ways to tailor benefits – which is the #1 hot benefit trend for 2020. You’ll get insights on three other key industry trends and how to help your clients address them, including:

• Top ways to tackle mental health challenges
• Designing a successful wellness program to be about well-being and self-care
• The rise in fertility treatment benefits

Start the decade strong – coach your clients to address these trends and boost their recruitment and retention strategies.

Many of your clients look to High Deductible Health Plans paired with HSAs to control costs and address the coverage gaps that type of setup creates. This strategy helps to offset the immediate problem of rising premium costs. However, when your clients and their employees come face-to-face with other consequences, it can cause trouble.

Download this infographic for a better understanding of how this cost-saving strategy can cause unintended ripple effects. You will also learn how to overcome some of these issues and be able to show clients data about:

• How the strategy may drive employees to look for jobs elsewhere
• How much it costs when clients continually lose talent
• Ways to implement other solutions that can help 

If your clients have plans that include an HDHP paired with an HSA, you must be proactive now before frustrations start to rise. Offer additional solutions now to help strengthen client relationships!

With the incredibly tight talent market impacting all industries, companies continue to look for ways to keep key employees close and health care costs down. To keep top talent from looking for greener pastures elsewhere, employers must help them navigate common twists and turns in the game of life. This includes health and life stage changes which can be expensive – reducing productivity and lowering job/benefits satisfaction. 

Download this infographic now to see a direct comparison between employees with standard medical plans and those with a unique type of supplemental health insurance. Find out how life can be drastically different when:

• A certain medication isn’t covered, 
• An entire family comes down with the flu,
• A family member has changes to their vision,
• Or other major health/life events occur.

Get the facts about different coverages so your clients can make a better choice for their employees. Use this infographic to help employees win in the game of life.