Whats ahead for the benefits industry in 2018? There are several trends that will affect benefits professionals in the coming year.

Selling is a difficult, scary job. And most would agree that prospecting is the most difficult, scariest part. That's why most producers come up with countless reasons to avoid it. But, that's not OK; you have to own the responsibility.

Two bipartisan measures designed to bring down Obamacare insurance premiums will be left out of a year-end spending bill after Republicans agreed with the party leaders to let debate slip into next month.

For those who dont have to worry about a budget, or saving for retirement, or an unexpected bill for $400, or dealing with financial worries of any kind, theres a whole other class of gifts out there.