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By modernizing the acquisition process, recruiting more advisers and educating consumers about the benefits of permanent policies, we can address the unmet life insurance need facing our country.

We must position ourselves as year-round communications experts, helping employers and employees find more value in their benefit plans.

Weve all seen (and probably created) publicity related to open enrollment periods; invitations to meet with benefit counselors and similar event-based notices. Posters are placed in common areas and table tents festoon conference tables and lunchrooms.

What is really growing CI premiums or the number of employees who purchase coverage? Are we actually witnessing a growth in consumer interest in CI products that will eventually create a long-term potential for CI sales?

A voluntary benefits program which once may have been considered a nice-to-have option for employees and employers has become an increasing necessity for many.

LIMRAs small business employer report shows that a 'significant minority' of CT employers had not even heard of the state's law creating a retirement plan requirement for small business owners.

A majority of U.S. adults surveyed by the two groups say their likelihood of purchase would increase if carriers would conduct 'simplified underwriting.'

LIMRA report finds few millennials see the term as a positive.