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Generational change is sweeping through Americas benefits leadership part of the baby boomer transition. And the next generation is ready to grow their benefits careers.

Change is never easy, but if youre not in front of it, then youll be left behind.

With the industry rapidly changing and commissions under constant scrutiny, brokers are wondering how to continue to make benefits selling a lucrative business.

About 20 years ago in Canada Reid Rasmussen saw products crumble when government budgets limited peoples access to health care.

As employers grapple with the changes caused by health care reform, many will be making a decision on whether or not to drop coverage and send employees to the exchanges. This decision will be based almost exclusively on financial considerations and, as such, will be primarily CFO-driven.

The group health insurance industry is changing with or without the health reform law. Brokers will need to change their spots to stay competitive.

Brokers--get an earful on what buyers really hear when you approach them for a sale.

In addition to the high costs minimum funding requirements and participation requirements make offering group insurance especially difficult for employers. There is an alternative option for employers defined contribution plans.