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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.

The benefits landscape is evolving, especially in the voluntary arena. Voluntary benefits are no longer a nice to have; now they are a must-have.

Relationship-building tools for brokers and valuable voluntary benefits and services for employers and their employees.

Before you overdose on data, learn to hone in on the right proof points that will help you better define needs and generate sales.