Commentary: it is particularly curious that the DOL’s proposed fiduciary regulation seems to introduce prohibitions that will likely prevent future modernization of such plans, says The Principal’s Aaron Friedman.
Commentary: Continue to provide value-added personal service to your clients with these practical tips for marketing benefit programs, says ThinkHR's Laura Kerekes.
Commentary: Brokers don't achieve high organic growth by accident. Successful agencies and brokers have their eyes up — they consistently look ahead, and this foresight drives thoughtful planning that leads to an effective execution strategy, says Zywave's Dave O'Brien.
Commentary: Being facilitative and consultative will help you to engage the client in a discussion — not a sales pitch — and it will enable you to make more informed recommendations that are responsive to the client’s values and needs.
Commentary: A new opportunity has emerged, and we have entered another inflection point in an era of change. What each of us does next could very well determine our long-term destiny, says Digital’s Mike Sullivan.
Commentary: Although in their infancy, private exchanges have not yet met predicted adoption rates. Wells Fargo’s Dan Gowen shares why this may be the case.
Commentary: Benefit firms hoping for agency growth must manage their producers or suffer the consequences of relinquishing control of the firm’s future, says EBA columnist Nelson Griswold.
Commentary: Our focus on each item that comes along in the employee-employer relationship blinds us to the bigger picture issues.
Commentary: Many plan sponsors believe that just by hiring an adviser they do not have a fiduciary obligation to understand the investments in their plans. This is fundamentally wrong.
Commentary: Benefit professionals should take advantage of new technology and services to protect employees and help them resolve ID theft situations, says VEBA’s Tinker Kelly.
Commentary: Being surrounded by experienced underwriters and “Excel wizards” is just enough to make one’s head spin, but it is right where Brian Murphy needs to be as he enters the world of benefit advising.
Commentary: Complacency can be a dangerous strategy when it comes to defined benefit plans, says The Principal’s Mike Clark.
Commentary: Many brokers underestimate the impact a comprehensive disability management philosophy can have on the total cost of an employee benefits program.
Commentary: A broker whose perception of wellness is limited to seasonal flu shots and employee assistance policies is at a competitive disadvantage compared to a broker who understands the power of connecting health risk assessment and biometric data with claims data.
Commentary: The company’s new tactic of comparing itself to brokerages across the country “goes beyond the line of ethical standards,” says HR Technology Advisors' Joe Markland.
Commentary: There are other much larger and offensive “holes” in the current disclosure that are more deceptive and allow more conflict of interest than DOL’s proposed BICE.
Commentary: There are rampant and seemingly uncontrollable costs of sustaining life in a system which lacks any semblance of common sense.
Commentary: There is a new normal when it comes to underwriting offers in the employer-sponsored or group LTCI marketplace.
Commentary: Just because vendors are promising you will avoid penalties because you were able to provide a “good faith” effort, doesn’t mean you actually will be penalty-free.
Commentary: We find our clients like having a guaranteed income, and they also like having buckets of income that start at different times and are taxed in different ways.