Keeping in touch with clients is key to maintaining – and establishing – great relationships. Our ready-to-use articles make it easy to reach out to key decision-makers, prospects and clients. Stay in contact by downloading and printing our timely messages for mail- or hand-delivery, or attach them to your emails.

Brokers play pertinent role in health care exchanges

While some brokers believe public health care exchanges pose a threat to their business, the exchanges boast a massive opportunity for building revenue volume and diversifying revenue streams. With the individual mandate, the individual health insurance tax credits, and the new health insurance exchanges, a lot more consumers are buying individual coverage. And the topic of health insurance is hotter than ever before. Read more.

What your accounts should know about voluntary insurance: A broker's guide
Changes to the way major medical insurance is purchased and delivered have made voluntary insurance more critical to a complete benefits plan than ever. Voluntary insurance options benefit employees – and they're just plain good business for U.S. companies. Read more.

Better together: The truth about insurance policy riders

What’s commonly known as a rider – an add-on to a basic insurance policy – can help make all the difference in the overall value of an insurance policy. Think of a rider as a little extra something that’s added to a basic life or health insurance policy to sweeten the deal and personalize coverage. Read more.

Voluntary insurance: Go with the group or go it alone?

Most employer-paid health insurance benefits, including major medical coverage, fall into “the more the merrier” category, with employees enrolling in group plans. But when it comes to voluntary coverage, both group and individual plans have distinct advantages, and employers can choose to provide workers with access to one or the other – or even both. Read more.

What is voluntary insurance – and why do employees need it?

Today’s workers are looking closely at their insurance coverage to identify gaps that might leave them vulnerable to medical expenses they’re ill-equipped to pay. Enter voluntary insurance, a type of coverage that’s not required or mandated, with enrollment that’s completely optional – which is why it’s known as “voluntary.” Read more.

Good news for brokers

Results of an Aflac survey show companies that make voluntary accident and disability insurance coverage available to their employees often experience fewer workers’ compensation claims. Read the article to learn more.

3 workplace strategies for protecting your vision

If you think about it, lines and lyrics about vision are central to film and music, from The Who’s “I Can See for Miles” to Johnny Nash’s “I Can See Clearly Now” to Foreigner’s “Double Vision.” This may be because we use our eyes for almost everything we do, including reading, watching television, driving a car and playing sports or video games. Given that eyesight is so crucial, it only makes sense for people to safeguard their vision both at home and at work. Check out three simple steps for protecting eyesight while on the job. Read more.

5 fun ways to get kids to care for their teeth

Kids are cute, but they’re not exactly big on personal hygiene. In fact, if left to their own devices, most children would skip bath time for days on end. And without someone to cajole and wheedle, getting a kid to wield a toothbrush would be as rare as, well, hen’s teeth. How, then, to encourage your little ones to brush often and thoroughly? Most experts recommend starting while they’re tiny, but it’s never too late to encourage good habits or break bad ones. With that in mind, here are some ideas for making tooth-brushing time a bit more appealing. Read more.

If you’re giving your heart this Valentine’s Day, make sure it’s healthy

Valentine’s Day is almost here, and romantics throughout the nation have hearts and flowers on their minds. Perhaps it’s only appropriate that February is also American Heart Month. After all, when giving away your heart, it’s only polite to make sure your gift is working properly. The good news is that heart disease is not only preventable but controllable. Check out eight simple ways to improve heart health. Read more.

5 tips for staying healthy when the weather is frightful

Winter has arrived in all of its blustery fury and, as the classic song goes, “Baby, it’s cold outside!” Keep the chills away – both the cold-weather and feverish type – with five simple tips for staying hale and healthy until the weather breaks. Read more.

3 easy ways to find money for voluntary insurance

When times are financially difficult, many Americans tighten their belts by eliminating items they want but don’t necessarily need. Unfortunately, some people make the mistake of placing voluntary insurance in the latter category. Yet having the right type and amount of insurance goes a long way toward helping families remain financially secure. In an era of tight budgets, how can workers find the extra cash to pay the premiums? Fortunately, there are easy ways to save money and enjoy life too. Check out three no-pain ways to pay for voluntary insurance. Read more.

5 benefits and HR trends to watch in 2014

This year benefits and HR issues are anything but status quo. The health care landscape is shifting, the economy is still in recovery mode, and the workforce is rapidly changing. To help you track what’s coming next, here are five key benefits and HR trends to watch in 2014. Read more.

8 tips for cutting costs without cutting the fun

Believe it or not, 2014 is just around the corner. For many people, the start of a fresh year symbolizes new beginnings centered on getting their finances in order, controlling spending and saving for the future.

Keeping track of expenses and putting money aside for those inevitable rainy days is challenging, but we’ve put together a few easy tips employers and brokers should share with workers to help them get – and remain – financially on track. Read more.

12 easy health tips to counteract holiday indulgence

Most of us start the holiday season with the best of intentions: We tell ourselves we won’t overeat, drink to excess or embarrass ourselves at the company office party. Most of us fail miserably on the first two counts but, if we’re lucky, avoid slinking shamefacedly to our workstations after dirty dancing with a caterer on the boardroom table.

Keeping in mind that holiday intake-control ambitions generally fall as flat as leftover New Year’s champagne, here are 12 health tips brokers and employers should share with workers after the 12 days of Christmas have come and gone. Read more.

Make 3 foundational decisions today for a successful 2015

While health care reform is getting into full swing, some companies are taking a “wait and see” approach in 2014. However, there are several important, tangible steps your business can take today to lay a firm foundation for the new era of health care in 2015. Get ahead of the curve by making three foundational decisions. Read the article.

3 powerful reasons for businesses to embrace a good cause

Who doesn’t love a cheerful giver? Yet, with a tight budget it can be hard to be chipper about generosity – even during the holidays. Odds are you know of a company involved in a good cause. But, did you know that giving can be more than an altruistic act of kindness? Embracing a good cause can have a powerful impact on society, and a positive effect on a company’s bottom-line, allowing your company to make a sustainable difference. Take a look at the powerful benefits of embracing a good cause. Read more.

S. Claus offers top-notch benefits advice

Every company needs strong benefits to retain and attract top employees, and Santa’s Workshop Inc. is no different. S. Claus takes time out of his busy holiday schedule to share the secrets of his top-rated Elf Care Benefits Plan. You’ll learn about the key benefits offered by his Workshop, as well as about some of the perks offered to his diverse workforce of elves, reindeer and abominable snowmen. You’ll also get insight into the North Pole’s top competitors for first-class talent (psst, Keebler) and find out the shocking reason Santa recently added a wellness plan to his Workshop’s benefits portfolio. Don’t miss this exclusive message from one of the world’s most experienced employers. Read more.

Hospitals: The “in” spots for holiday gatherings

There may be no place like home for the holidays, but many Americans spend the most festive days of the year in the very un-homelike atmosphere of a hospital room. You may laugh later about the time Dad fell through the attic ceiling and crash-landed in the cranberry sauce, but it’s not so funny when the family’s trooping en masse to the ER.

Accidents happen; that’s why they’re called accidents. Access to insurance that helps protect employees’ with unexpected out-of-pocket medical costs may not be the most exciting gift, but it’s something that’s valued by workers and their families throughout the year. Read the full story.

Health care in America: desperate measures

As health care costs continue to rise, Americans are taking desperate measures to pay off medical bills and gain access to treatment. Tactics have gone far beyond payday loans and borrowing from family and friends. They now include online pleas for strangers to send cash, selling off family heirlooms and, for some who urgently need care, even petty crime.

One way many employers help employees cope with spiraling medical costs is by adding an array of voluntary health insurance policies to their benefits options. Voluntary insurance allows workers to make their own decisions about what types of supplementary coverage they need and can afford. Read the full story.

Talk more than turkey this holiday season

The holiday season is here, and for most Americans it brings a rush of good cheer, the fun of choosing just the right gifts and wrapping paper, the bracing chill of winter air and – perhaps best of all – the joy of breaking bread (or wishbones) with friends and family from near and far.

Unfortunately, many of us don’t get to spend time in conversation with our loved ones as often as we’d like. That’s why when the celebrations die down and there’s a moment to talk more than turkey, the discussion should turn to key healthcare and financial-planning decisions.
Read more.

Smoking out a Killer

Most people have survival instincts that set off alarm bells when danger is at hand. How, then, to explain the fact that despite years of warnings, lung cancer remains one of the nation’s biggest killers? Even famous smokers aren’t immune: Two stars of the Marlboro Man advertising campaign succumbed to lung cancer.

Tamping out cigarettes for good isn’t easy, but what better time than October to coincide with The Great American Smokeout? Employers and brokers should also consider the value of cancer/specified-disease insurance, which helps workers guard their incomes from the high cost of lung cancer treatment, as well as other cancers. Read the full story.

Scary Stuff: The Conversation Too Many Americans are Afraid to Have

Halloween revelers and scary-movie fans enjoy brushes with imaginary death in the form of vampires, zombies, mummies, ghostly specters and other shiver-inducing creatures, but they’re not so keen on confronting the real thing. Discussions about end-of-life medical care, wills and life insurance are uncomfortable and, for some people, downright scary. But employees who face their fears help ensure that if the worst happens, their loved ones won’t have to cope with the truly terrifying prospect of scraping by on a sharply reduced income or, in the worst-case scenario, no income at all. Read the full story.

When Halloween Becomes Hallow-Whoa!

In southern parts of the United States, you often hear adults asking young children for sweet kisses with the phrase, “Give me some sugar.” Every October, the tables are turned as kids go from house to house seeking a different kind of sugar: Halloween candy. The folks at My Science Project have determined that those cute Halloween candy buckets hold 9 pounds of sugary goodness and that the old standby, a pillowcase, holds 48. Smart parents will have a toothbrush at the ready – and smart employers will offer voluntary dental insurance. Read more.

What’s Cooking: Voluntary Policies for Women

Today’s woman may bring home the bacon, but don’t count on her to fry it up in the pan: Married Gen X males are more involved in grocery shopping and cooking than their Baby Boomer dads. While men are heating things up in the kitchen, what are women doing? Forty percent are sole or primary breadwinners, yet they do three times more housework and twice as much child care as men. Since women remain our nation’s primary caregivers even as they increasingly become primary breadwinners, take time to stress the importance of voluntary health insurance for women. Read more.

Breast cancer: Survival isn’t a woman’s only concern

October is Breast Cancer Awareness Month, a time when people wear pink ribbons in honor of the women – and men – fighting breast cancer and those who have gone before them. It’s also a month in which individuals and corporations participate in fundraisers, with money earmarked for breast cancer detection, treatment and research. Just as important, though, are efforts to drum home the facts about breast cancer, including the effect it can have on a woman’s self-worth and the negative impact of stress on her recovery. Read more.

Part of something is better than all of nothing: The broker-agent relationship

The tension between brokers and agents is long-documented. And while some brokers have forged strong relationships with agents, others simply don’t want to go there. But why? Top concerns often include agent professionalism, shared commissions and difficulties working with agents on multi-state accounts. Here’s a look at those concerns, as well as tactics for overcoming them. Read the article.

Gridiron Madness! Touchdowns, Tailgating and Disability Insurance for the Win

Another summer is drawing to a close. For some, the passage of time is marked by multi-hued autumn leaves and bright yellow school buses. For others, fall means just one thing … It’s football season, people!

This year, two players dominate sporting news: Johnny Manziel, the Heisman-winning Texas A&M quarterback, and Jadeveon Clowney, the University of South Carolina defensive end and consensus No. 1 NFL draft pick. Manziel and Clowney have more in common than gridiron talent. They both recently purchased disability insurance, and the average worker should consider coverage too. Read the article.

Workers need coverage for accidents both straightforward and strange

Accidents occur every second and affect all sorts of people. Whether it’s falling off the roof while stringing Christmas lights or slipping on a freshly mopped floor, stuff just happens. Google “freak accidents” and you’ll get thousands of examples, some chuckle-worthy in a “you’ve got to be kidding me” kind of way and others downright sad.

As an employer or broker, you have a vested interest in helping workers understand just how common accidents really are – and in ensuring they have access to disability insurance that goes to work in those unlucky moments. Read the article.

As school bells ring, workers should study up on insurance benefits

The lazy days of summer are drawing to a close and kids are heading back to school. While many parents are waving goodbye at bus stops, others are fighting back tears as older kids move into college dorms and off-campus apartments.

Back-to-school is a natural time to help workers ensure they have the right amounts and types of insurance coverage. While their kids are settling into the new school year, parents should make sure their health, life, homeowner’s and auto coverage get passing grades. Read the article.

Step Off the Health Insurance Merry-Go-Round with Six Key Voluntary Benefits

Employers, workers and benefits experts are dizzy from the merry-go-round of changes to the way health care benefits are purchased, delivered and paid for. Many companies are seeking ways to control their benefits-related spending. Employee-paid voluntary health insurance policies are one way businesses can trim expenses while providing workers with access to needed coverage. Take a look at six key voluntary options. Read the article.

The Times of their Lives: Why Change Should Trigger Employee Life Insurance Reviews

Summer means fun in the sun for kids, but it’s often a time of change for adults: new college graduates settle into their first “real” jobs, wedding bells ring, babies arrive and families move to new homes. All of this life-altering activity makes summer a good time for employers to communicate with employees about the importance of regular life and health insurance reviews. Read the story.

Vacation Reading For Those Who Can’t Leave the Office Behind

If you’re one of those people for whom a lounge chair and umbrella is merely an office with a better view, you’re probably not going to spend much vacation time engrossed in escapist beach reading. In fact, you’re likely to be surreptitiously answering emails and reading work communications when you think your family members aren’t looking. Good news: We have some vacation reading ideas for you. Read the article.

Disability Insurance: Helping Your Accounts Protect Their Businesses

As a broker, you know your accounts have procedures in place to help employees with their workplace concerns, and that they often search for ways to help workers overcome personal challenges too. Why not remind them that one of the most meaningful things they can do for employees is provide a robust benefits package? After all, 38 percent of workers surveyed as part of Aflac’s 2013 WorkForces Report1 said employers signal they care about their employees’ well-being by offering strong benefits. Read the article.

Voluntary Insurance: Go with the Group or Go it Alone?

Most employer-paid health insurance benefits, including major medical coverage, fall into “the more the merrier” category, with employees enrolling in group plans. But when it comes to voluntary coverage, both group and individual policies have distinct advantages, and employers can choose to provide workers with access to one or the other – or even both. The advantages of voluntary insurance are clear, but it’s up to employers to decide what type of coverage they’ll make available to workers. Read the article.

Supplemental Insurance Helps Manage Costs of Cancer

Cancer affects millions of Americans nationwide, and for many, the diagnosis brings potentially devastating financial burdens even if they have major medical insurance. It is for these reasons and more that voluntary cancer insurance is becoming increasingly important in helping consumers combat the high costs associated with a cancer diagnosis. Learn more about voluntary cancer insurance, what it is and how it can help cover costs major medical doesn’t. Read the article.

Short-Term Disability Insurance Key Component to Financial Protection

As Americans strive to safeguard their finances, one area gets little attention is disability insurance. Most workers underestimate their risk of experiencing a disability and overestimate the resources available to them. Voluntary disability insurance plays an important role in financial planning and safeguarding financial futures. Read the article.

Hospital Indemnity Plans Take the Sting Out of Hospital Bills

The high cost of hospital stays combined with the likelihood for any individual to require one in their lifetime, is driving a growing need for supplemental hospital indemnity insurance. Learn more about hospital indemnity insurance, what it is and how it can help cover costs major medical doesn’t. Read the article.

Designing Benefit Programs for Different Generations

When designing benefits programs for the generations, it is imperative to take a holistic look at each age cohort, including varying education levels, experiences, life factors and even personality characteristics. Each of these aspects plays a role in what options are best suited to a generation, and more importantly, that appeal to those workers enough to drive participation and enrollment. Read the article.

Why You May Want to Consider a Benefits Broker

Savvy employers have turned to benefits advisors for guidance, recommendations and resources to deliver world-class benefits for decades. However, an increasingly complex health insurance landscape has made benefits advisors and brokers even more valuable to organizations in recent years. Read the article.

Case Studies

Voluntary insurance gives broker firm an edge over competitors

Voluntary insurance policies help Corporate Strategies, Inc. to create new revenues for where they didn't exist before. Read the article.

Confidence in strong enrollment services builds trust and good rapport

Aflac’s enrollment services help boost voluntary insurance enrollment for HighRidge Insurance Services. Read the article.

Wingman program helps accelerate voluntary business growth

Aflac’s Wingman Program came at just the right time for Ralph C. Wilson Agency. Read the article.