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Encouraging better Flexible Spending Account budgeting
May 23, 2013FSA usage should be encouraged throughout the year. Budgeting is easy when using an FSA calculator before opting into the plan to help participants estimate their yearly expenses. And a broker's role when communicating to clients about better FSA budgeting should entail having multiple communications throughout the year.
Posted by Jeremy Miller at 09:23AM. Comments (1) -
Banking on long-term care insurance
May 16, 2013The California Bankers Association recently announced a long-term care benefit for employees of member banks throughout the state. The initiative is one of the first of its kind for any large U.S. association, and could be a bellwether for the financial field and beyond.
Posted by Richard W. Samson at 09:46AM. Comments (0) -
Exchanges mean new business models
May 14, 2013Being present and competent is the order of the day once the ACA becomes a reality, says blogger and UBA CEO Thom Mangan. Brokers need to act as a conduit, or contract with a conduit, to help employees navigate through. A lot of these issues fall on the shoulders of the human resources department, but a broker or adviser needs to offer comprehensive care.
Posted by Thom Mangan at 09:39AM. Comments (4) -
How to bring relief to your business and add client value
May 8, 2013Too often brokers are pulled in different directions with just too much to do, too many people to do it for, and too little time. In too many situations, we are not able to treat all personal issues or business issues with the time and dedication they deserve, says blogger Sam Fleet. So how to overcome that burden?
Posted by Samuel H. Fleet at 09:38AM. Comments (0) -
The tsunami is coming — are you prepared?
April 29, 2013Guest blogger Mark S. Gaunya talks about what advisers must do in the 'Obamacare' world where insurers are assuming more risk and consumers more cost.
Posted by Mark S. Gaunya at 09:43AM. Comments (3) -
How the ACA could be a blessing in disguise
April 24, 2013After small group reform passed California ten years ago, brokers feared the worse, says blogger Andrew Torelli. What lessons can that bill teach us what to expect with the ACA?
Posted by Andrew Torelli at 10:12AM. Comments (2) -
Why ancillary benefits may be the silver lining of health care reform
April 23, 2013There may be a slightly silver lining to the murky clouds of health care reform: ancillary benefits, which often include voluntary benefits, are expected to grow substantially in the coming years. Advisers may do well to leverage these offerings with clients, says EBA Blogger and UBA CEO Thom Mangan.
Posted by Thom Mangan at 10:06AM. Comments (0) -
4 steps toward creating simpler, more successful benefits programs
April 22, 2013Guest blogger Chris McSwain of Walmart writes that in the constantly evolving field of health and productivity, we are overwhelmed with new tools to judge the performance of our health-related programs. But sometimes the right tool is the one that's easier to use.
Posted by Chris McSwain at 11:55AM. Comments (0) -
The growth of voluntary through the lens of one client
April 10, 2013In recent years, voluntary benefits have risen from a nice-to-have for employees to something that is quickly becoming crucial. Doug Mantz looks back at the evolution of voluntary benefits through the lens of one long-time client.
Posted by Doug Mantz at 04:07PM. Comments (0) -
6 insights into higher education retirement plan opportunities
April 10, 2013With two daughters in college, The Principal Financial's Aaron Friedman has come to appreciate that the three “R’s” continue into higher education. The traditional readin’, ‘rightin’, and ‘rithmatic, carry forward, but he's realized lately that a fourth “R” applies — an evolution with private higher ed in “R”etirement planning.
Posted by Aaron Friedman at 09:27AM. Comments (0) -
Reposition your value-add(able) services
April 2, 2013Thom Mangan says we need to change the conversation with employers to underscore the value we bring them outside of carrier negotiation. Consider educating prospective clients about your key advantages and packaging (and pricing) your services accordingly with these six ideas.
Posted by Thom Mangan at 09:55AM. Comments (0) -
403(b) plans: High maintenance or huge opportunity?
March 27, 2013Many 401(k) plan financial professionals have already capitalized on the opportunity in the 403(b) market by leveraging their 401(k) plan skills, and being able to distinguish themselves by being savvy in the dynamics that make a 403(b) plan a little different, says guest blogger Aaron Friedman of The Principal Financial.
Posted by Aaron Friedman at 09:43AM. Comments (0) -
Insurance exchanges: Which way to go and where do I start?
March 26, 2013PPACA takes us back to the future, says blogger Mark Gaunya. Rewind the tape and go back to 1978 when cafeteria plans were born, then fast forward the tape to 2013 and apply state-of-the-art technology. What do you have? An electronic cafeteria plan we now call an insurance exchange or marketplace if we want to be politically correct.
Posted by Mark S. Gaunya at 09:24AM. Comments (4) -
Student accident insurance: an underutilized niche
March 18, 2013Kids are no strangers to accidents. No matter how it happens or where students are hurt on school property, schools are liable for the cost of student injuries and need to be prepared for these sometimes devastating expenses. This presents an opening for brokers, says EBA blogger Sam Fleet.
Posted by Samuel H. Fleet at 09:26AM. Comments (0) -
Helping your 403(b) plan stay healthy
March 12, 2013The Principal Financials’ Aaron Friedman says we are seeing 403(b) plan sponsors interested in reviewing their plan designs as they look to further clean up initial steps that were taken just a few years ago. This additional work is based on their own experience with compliance under the final regulations, as well as the administrative lessons they’ve learned.
Posted by Aaron Friedman at 09:36AM. Comments (0)
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