Resource Center

Voluntary insurance is full of jargon, acronyms, and scare tactics, but there are better ways to talk about these products. Taking a positive, proactive, straight-forward and educational approach can make a huge difference in the attitude of potential and current clients.

Download this infographic for more on 10 phrases you should remove from your group insurance vocabulary and advice on what you can say instead.

Tips include:

• Removing acronyms & industry terms
• Choosing the right words
• Focusing on the positive instead of the negative
• And more… 

Despite the growth of PEOs (Professional Employer Organizations) in the industry, many brokers and small business owners remain confused about some of the most important aspects of the PEO-client relationship. This stems from a misunderstanding about two very different things: co-employment and employee leasing. This uncertainty causes many brokers and employers to hesitate working with a PEO — thinking this solution means a loss of control over key business decisions, and of their employees. It does not.

Download this eBook now to get a better understanding of co-employment versus employee leasing and how PEO partnerships can be leveraged to help small businesses. You will get the answers to these questions:

• What is co-employment (and what is it not)?
• What does co-employment mean for a PEO client?
• Which responsibilities fall on the PEO in a co-employment relationship?
• How does co-employment differ from employee leasing?
• And more!

Discover how PEOs can help your clients with their HR challenges and benefit your business.

Nearly one in five consumers are unsure about what health insurance plan they have, and 30 percent don’t know their copay, deductible, or out-of-pocket maximum amounts. That’s according to the new survey results contained in the 2019 HSA Bank Health & Wealth Index℠ Report.

Download the report now to get key data about what your clients’ employees want and need to know so you can customize valuable plans for each client. You will earn:

• How confident people are in their own ability to manage their health needs
• How consumers feel about physical health and wellness
• The status of financial best practices
• And more!

Understand more about your clients’ employees so you can help them take action to improve health and wealth engagement.

Plan changes are inevitable, and they can often lead to unhappy clients. If you can provide a way to mitigate the changes and decrease their impact, you continue to be a trusted partner and an essential part of their team. By offering certain plans to select employees, it can help clients ease the pain of any changes for their key employees.

Download this infographic now to learn more about how to lessen the impact of plan changes such as:

• Rising deductibles
• Prescription drug changes
• The absence of vision or dental plans
• Lower coverage for out-of-network services

Take steps now to show clients how they can give their employees coverage for everyday issues as well as unexpected healthcare expenses without breaking the bank!

One area of HR is increasingly difficult for your clients to properly handle: maintaining compliance with employment laws. With new laws getting passed every year at each level of government, your clients struggle to stay current while fearing the threat of fines, lawsuits, and/or other penalties. You are in a unique position to help clients sort through what they need to do and new actions they need to take.

Download this eBook now to explore some of the biggest trends and topics in employment law along with how small employers can maintain compliance. This includes information on:

• Paid leave
• Workplace sexual harassment
• Minimum wage
• Reasonable accommodations
• And much more!

Become a more invaluable member of your clients’ team by using this guide to lead them through the ins-and-outs of employment law and helping them remain compliant and reduce stress.  

Reducing turnover costs. Mitigating the impact of health plan changes. Controlling benefit costs. Whatever business problems your clients are struggling with, you can help them solve it with carve-out supplemental expense reimbursed insurance. What was once only referred to as “executive medical reimbursement” is still possible today, as long as it is structured correctly.

Download this white paper now to discover:

• How this type of benefit is still viable with ACA rules
• Key requirements for these targeted benefit boosting solutions
• What criteria qualify this type of insurance as “excepted benefits”

Help clients offer competitive benefits packages without breaking the bank.

In this new landscape where health care plans don’t cover all that they used to, benefits that were once considered supplemental by many of your clients’ employees are now vital and more top-of-mind. That means if you put together benefits coverage options  their employees will actually use that won’t negatively impact their bottom line, you become an invaluable asset.

Download this guide now for three reasons why offering voluntary benefits can help your clients attract and retain employees better than a standard health plan, including:

• Why voluntary health benefits get used
• The importance of personalization
• The impact on overall health care costs

Employee demand and the need for voluntary benefits have never been higher. Use this guide to help show your clients how voluntary benefits can make a difference! 

It’s a popular idea: High Deductible Health Plans paired with HSAs to control costs and address the newly created coverage gaps. While this can help with the immediate problem of offsetting rising premium costs, it can also cause trouble when your clients and their employees come face-to-face with the realities of that decision.

Download this infographic now to get a better understanding of the unintended ripple effects caused by this cost saving strategy and how to overcome the issues it brings. This tool will help you show clients data about:

• How the strategy may drive employees to other companies
• The cost of continually losing talent
• Other solutions that can help offset these issues

If your clients recently put an HDHP with an HSA in place, don’t wait for problems to erupt. Maintain good relationships by offering them additional solutions now!

Professional Employer Organizations (PEOs) continue to see impressive growth as more small and medium-sized business owners seek outsourcing solutions to help with their HR difficulties. This can be a significant challenge for brokers since some PEOs compete for the same prospects and can take away current clients.

But not all PEOs want to hurt your book of business. Broker-Only PEOs work exclusively through their broker partners and could be the perfect solution for you and your clients.

Download this eBook now to learn about Broker-Only PEOs, how this partnership works, what it would mean for your clients, and more, including:

• The 3 different PEO sales models
• The benefits this partnership provides brokers and their clients
• How Broker-Only PEOs help protect and grow your book of business

Can a Broker-Only PEO partnership help you and your clients? Read this eBook and find out.

As you prepare for enrollment season, it’s a vital to ensure you can be a difference-maker for your clients regarding which voluntary benefits may help their organization and employees. In today’s industry landscape, you cannot regard them simply as an afterthought – they are no longer “supplemental,” but essential. Using the right conversation-starters to help clients think about voluntary benefit options helps both your relationships and your sales goal.

Read this article now for tips that will set you up for success – giving you better ways to bring up voluntary benefits to clients. You’ll learn more about these three steps:

• Conducting reviews with clients
• How to respond to emerging trends
• Ways to keep your eye on the big picture

Voluntary benefits can unlock huge amount of potential for both you and your clients. Discover better ways to start the conversation with clients now.  

As employee out-of-pocket health costs continue to surge upward, your clients need a way to take some of the burden off their employees and offer real help.

Download this infographic that will help you explain to clients the necessity of offering their employees voluntary benefits and how you can help get them the right coverage to bridge the gap.  Reasons to offer voluntary options as part of packages include:

• 60% of employees weigh these options when selecting an employer
• Boosting workplace morale
• Low to No costs for the employer
• And more…

Use this info to simplify the process for your clients so they can quickly and easily understand why voluntary benefits are essential, not just another option.

Social media is increasingly becoming an important tool that can be used to grow your book of business. But effectively using social media as a broker can be tricky – you have to decide what parts of your life you feel comfortable sharing with clients and what may or may not be acceptable. However, when used correctly, social media can be a powerful way to build relationships and make clients and prospects see you as a part of their team.

Download this playbook now to dive in 10 best practices on how to best use social media to sell more insurance. These include using social media to:

• Promote what you do and your expertise
• Build trust
• Stay connected
• Deal with negative feedback
• And more…

Don’t get passed by as your competitors make use of social media and learn how to avoid traps that can make you go viral in the worst way.

Those who sell voluntary worksite products know the truth already - they present a great opportunity to address the prevalent trends in today’s healthcare industry. Many brokers seize the opportunity presented by offering these types of products to their clients to fill coverage gaps and  to get a jump on their peers.

Download this fact sheet now to understand three trends that make selling these types of voluntary benefits crucial for your business, and one myth you and your clients may mistakenly believe, including:

• The tough spot your clients are in regarding rising healthcare costs
• How your clients’ employees struggle with the changing landscape
• Ways to help decrease these problems and which solutions can work

Make sure you and your clients’ are positioned for success in 2019! 

It is easy to be drawn to an insurance carrier with the promise of large commissions, but you need to know what’s beyond the money. Even if you’re not interested in a new carrier right now, use this checklist to ensure you are with the partner that best aligns with you and your goals.

Download this checklist for five questions you need to ask before making a decision on an insurance carrier. This checklist includes key topics, such as:

• Customer Service
• Location
• Compensation
• Intent
• Culture

There are thousands of companies vying for your dedication, choose the one that provides you with keys to your future growth and success. 

Even though medical advancements continue improve the prognosis and treatment for critical illnesses such as a stroke, cancer, or a heart attack, the bills often follow around individuals as they recover. Offering an additional solution to traditional health insurance may help your clients’ employees address these ballooning costs.

Download this fact sheet which will help you explain the advantages of critical illness insurance, including a lump-sum benefit upon diagnosis. Use the tool to explain how this type of policy can provide freedom:

• To choose providers and treatment options
• From constant worry about bills
• To take the necessary time for recovery

When critical illness strikes, individuals want to focus on recovery, not stressing about financial hardship. Help your clients and their employees understand how you can make that a reality!

The two biggest issues your clients often face are controlling the costs of benefits and attracting and retaining top talent. Addressing one may come at the expense of the other. For your clients, this issue may even be a larger worry than generating revenue. It is up to you to find alternative solutions to help clients solve these problems.

Download this infographic to get key facts about:

• The ripple effects of cost-cutting strategies
• Long-term consequences for recruitment and retention
• New ideas for how to help clients

Your clients can combat the burden of increasing health benefit costs because you can offer them alternative solutions!

The supplemental health insurance landscape is vast and continues to grow each day with the development of new types of plans. In order to best help your clients and their employees, you must be able to explain the similarities and differences between the different options. By equipping yourself with the right vocabulary and knowledge, you can point clients toward the best supplemental health solutions for them.

Download this eBook now for an overview of how supplemental health insurance works and the terminology you need to understand. After reading you’ll be equipped to discuss:

• The different types of supplemental health insurance and what each can provide
• The key differences between types of plans
• Reasons for adding supplemental insurance to a benefits offering
• And more…

Your clients all know the struggle to find qualified, top-tier job candidates in the open market. Recruitment and retention comes down to more than just salary. It must involve a stellar benefits package. Ensuring your clients have the benefits they need to entice the best executive-level employees to come and stay is critical to your role as a broker.

Download this white paper to find out how executive medical reimbursement plans can help meet your clients’ goals, even in a post-ACA world. 

The white paper will cover:

• The ACA and Excepted Benefits
• Key requirements
• Similar supplemental coverage
• Safe harbor criteria
• And more…

Discover how your clients can use these robust benefits to attract and retain strategic leaders.