When people or companies are put into positions of power without oversight, what is to prevent them from taking advantage of the situation? That question is at the heart of a lawsuit between the School Board of Osceola County and Gallagher Benefit Services.

"Individuals at all stages of their careers can benefit from educating themselves about the Social Security system and retirement planning and a trusted financial professional can help with that education," says Tina Ambrozy, senior vice president of Strategic Customer Solutions at Nationwide.

Companies are seeking higher premium increases, mostly due to rising prices paid to hospitals, doctors and drug companies, as well as increases use of services by enrollees.