To ensure every worker who has access to life insurance at their workplace opts in, our industry needs to expand efforts to educate employers about the value their workers place on life insurance and encourage them to highlight this important benefit during their next open enrollment.

Fintech firms and insurtech providers have become successful by filling gaps in traditional services. Can they do the same for benefits?

The pandemic's impact on employee benefits will be significant and long-lasting. In the months ahead, brokers should continue to advise clients about the implications of legislative and regulatory initiatives that will play a central role – as they have throughout the pandemic – in facilitating access to coverage and aiding ongoing recovery efforts, says Aflac's Brad Knox.