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The Reality of Risk

For decades America’s benefit plans have been based on the employees’ perceived needs, not necessarily financial risk. Help your clients understand where financial risk exists in their benefits package. Download a free copy of this white-paper for more information.

Anatomy of Today's Health Insurance Consumer

In the new retail market for health insurance, you must earn consumers based on your plan’s value, and keep them loyal by providing superior consumer experience. Design a benefits plan that helps address the pain points people face today as health care moves to a retail market.

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.

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.

Sales opportunities for brokers; potential savings for employers

Companies offering voluntary accident and disability insurance report reductions in workers’ compensation claims and absenteeism.

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.”

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.

Wingman program helps accelerate voluntary business growth

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

Voluntary benefits options help solve top challenges for clients

Aflac's industry knowledge and experience makes all the difference for Platinum Enrollment Specialists.