Resource Center

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!

It seems like simple math: financial incentives that help your employees stop smoking save everyone money in the long run. However, from healthcare-related illnesses to lost productivity, the staggering costs of smoking are significantly higher than the typical financial incentive to quit and trading one sum for the other isn’t always as straightforward as it looks on paper. You must consider many factors when implementing quit-smoking incentives to ensure your approach sets up your employees - and your company - for success.

Download this white paper to learn how to craft a better strategy by understanding where stop-smoking programs usually go wrong. Pitfalls to avoid include:

• Fostering resentment
• Making program completion requirements a simple checklist
• A failure to understand employee preferences
• Offering an incentive without a cessation program to back it up

A program to help your employees to quit smoking can be beneficial to their health and your bottom line, but only if you understand the best way to make it work through a better, personalized experience. Discover an easy way to start a win-win program now!

The employee benefits cost-cutting strategies companies have used for the past decade are now leaving many employees unsatisfied. With today’s tight-talent market, your clients’ employees have the upper hand, because top talent knows they can find other opportunities with better benefits. You need a way to find the benefits sweet spot so your clients attract and retain key employees, while protecting their bottom line.

Download this infographic now to learn how to hit the target when it comes to managing costs without reducing health coverage. You will get insights on:

• What it looks like when companies miss the mark
• What the sweet spot could look like for your clients
• Better ways to achieve your clients’ benefits goals

Help clients understand ways to improve health benefits for their best employees without breaking the bank. If you help prevent their best people from slipping away, they won’t slip away from you!

The supplemental health insurance market has a lot more to offer than your clients may realize. It’s easy to become confused by the misconceptions surrounding supplemental health insurance options. With this infographic, you can help show them the truth of how these solutions can be important for both their employees and their bottom line.

Download this infographic now to help debunk myths clients may be believing, including:

1. Supplemental health insurance isn’t necessary
2. All supplemental insurance plans are voluntary
3. Medical reimbursement plans are too expensive
4. Executive medical reimbursement plans are dead

Don’t let your clients’ fear of what they don’t understand keep them from offering employees the best coverage possible! Use this tool to correct misconceptions and set them on a better path.

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.  

To effectively reach your employees and health plan members, you must invest in a range of strategies to engage them in healthy behaviors. Offering just nutrition and fitness programs isn’t enough – you must focus on all aspects of wellbeing to drive overall work performance and increase participant engagement.

Using online communities for health can be a powerful strategy for improving total wellbeing, including social health. A recent study found 60 percent of employers are expanding their wellbeing platforms to include social connectedness opportunities. For those employees who choose to connect and engage with others in online social networks, the personalized info shared can be a powerful driver of healthy behavior and improved health.

Download this report to learn:

• Essential factors to make online communities thrive
• How online social networks can be powerful drivers for better health
• Why participants in online communities are twice as likely to quit as smokers who don’t participate

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…

The rise of technology like smartphones have your employees looking to the devices in their hands for digital health solutions. Given this trend, it’s no surprise digital cessation programs have greater reach – and potential impact – than traditional cessation programs. Research shows digital tools can be as effective as telephone and in-person counseling to help smokers quit.

Download this report for an in-depth look at how digital features can transform your tobacco cessation efforts. You’ll learn:

• How employees are changing the way they use mobile phones
• Why the digital shift powers effective cessation programs
• Which 3 digital features can transform engagement in tobacco cessation

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.

Your wellness efforts need to work as hard as your employees. On the checklist: lower healthcare costs, more productivity, improved employee health (at every level), and less absenteeism.

An engaging, results-driven, meaningful tobacco cessation program checks every one of those boxes and targets some of your most at-risk employees.

Download this report, "Personalize Employee Benefits Where It Matters Most," from the EX Program, a personalized solution developed in collaboration with Mayo Clinic. You’ll learn:

• How specialized tobacco cessation programs differ from general wellness programs
• Why the “triangle of addiction” keeps your employees ducking out for smoke breaks
• Why nearly half of employees don’t participate in employee health programs
• How much you spend in extra healthcare costs — and lose in productivity — per year for smokers (spoiler: it’s much more than you think)

Tobacco use is down in the U.S., but remains a major problem. Give your employees the resources they want and need to quit – for good.

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.

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.

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!

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…

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.