All market segments have room to grow, both in terms of account-level penetration, as well as additional products and increased participation at the employee level.

We all know that selling voluntary benefits is a multi-step process.

We all know how rapidly the worksite/voluntary business has grown into a major industry, the most dynamic segment on the benefits landscape.

Too often, we design our enrollment approach around what we are comfortable with, rather than what the employee needs.

We all know that selling voluntary benefits is a multi-step process.

Re-enrollment isn't discussed enough in the voluntary market.

Voluntary is not just the future; it's the present. And today, self-administration of voluntary benefits serves no one well.

Pogo once famously said, We have met the enemy and he is us.