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A recent study cited pressure to relax underwriting standards as the top concern of voluntary insurers.

HR professionals need to communicate with today's multi-generational workforce, which can be challenging.

Todays benefits consumers have high expectations about how theyll engage with their benefits provider, based on purchasing experiences they have with top retailers.

Commissions are cut, compliance is tougher to navigate, and consulting has taken over a big part of the job, but agents and brokers who know the market can find opportunity in group benefits.

The winner will be crowned at the Benefits Selling Expo in Fort Lauderdale.

Making benefit options available through private exchanges can help mid-sized employers offer benefits without adding administrative burden.