Social media has created the most significant growth opportunity insurance agencies have ever been afforded.

I was recently a panelist at LIMRA's Supplemental Health Products conference.

Since the discounting levels from PPOs are a tightly guarded secret, employers are unaware that they are paying three times what the largest payer in the country has deemed to be fair reimbursement.

The practice of selling both health benefits and property and casualty insurance (P&C) from one brokerage continues to be a growing trend at a time of industry consolidation and increasing use of technology.

Picture it: Long Island, New York, 2004.

Under the Preserving Employee Wellness Programs Act, introduced in the House of Representatives in March 2017 (H.R. 1313), employers may be able to encourage employees to provide identifiable genetic information and family medical history more strongly than ever before.

While the draft rule would still require ACA plans to cover 10 categories of medical services, any state could choose to use benefits standards that are already in use by another state, or even to rewrite its own.

Stand-alone long-term care insurance may still be going through tough times, but long-term care planning is starting to become a standard part of any thorough financial planning conversation.