Commentary: To avoid turning employers off, focus on the “1%,” the essence of the client’s message, says John Graham.
Commentary: Adviser Jerry Kalish details a list of welfare benefits subject to ERISA that fall outside of health care reform.
Commentary: Rookie adviser Brian Murphy makes the connection between carriers’ package proposals and the opportunity to market multiple lines of coverage to the client.
Commentary: While illiteracy is a source of embarrassment for people,” innumeracy” is often a source of pride. A significant number of people believe the lottery is their best strategy for accumulating a substantial nest egg, and this is a problem, says The Principal’s Aaron Friedman.
Commentary: More than empty theories, columnist Nelson Griswold shares business-building and growth strategies that work.
Commentary: If you listen to your clients — and I mean really listen to what they’re saying and not saying — you’ll know exactly what they need and what they’re willing to spend money on, says columnist Wendy Keneipp.
Commentary: By understanding the measurables of their plan and leveraging data, plan sponsors will make smarter, more informed decisions to create competitive benefit packages while addressing plan-specific needs with actionable insights.
Commentary: Add these talking points to your next plan review to ensure the year gets off to a good start, says adviser Michael Clark.
It all starts with a business plan and honest answers to some tough questions about the state of your company, says columnist Jack Kwicien.
Commentary: Without building a better plan, continued participation will wane and the program as a whole will fall short of employer health initiatives, says adviser Tim Olson, who shares five steps that will lead employer clients to an improved plan.
Commentary: The reality is that the CO-OPs could not overcome the most vital aspect of our insurance infrastructure: maintaining adequate reserves, says adviser David C. Smith.
Commentary: Advisers focused on life insurance and financial planning are missing an opportunity to stand out by introducing DI into the discussion.
Commentary: Executives are starting to acknowledge that engagement alone won’t drive long-term results.
Commentary: Risk adjustment programs were intended to be self-supporting and clearly this has not been the case, says adviser Craig Hasday.
Commentary: Changes will attack the costs of health care and trickle down to benefit brokers. These outsiders may or may not see the broker as a valuable resource in their future world, says Joe Markland.
Commentary: Three costs to your business that go beyond monetary loss and have a direct long-term impact on client relations.
Commentary: Adviser Vinnie Daboul offers a three-step process to overcome the elements that pose the greatest threat to a broker’s business.
Commentary: Gone are the days of century-old insurance carriers’ dominance at conferences and expos. In are new products, new technology, new vendors and new partnerships. As a result, unique ideas and models are thriving, says Zenefits’ Tim Cerimele.
Commentary: It may ultimately be a greater risk to remain fully insured and continue treating annual health care spend as an expense rather than an investment.
Commentary: If plan fees are a potential liability, the logic is sound that the least amount of fees paid reduces that liability. But, EBA retirement columnist John Ludwig asks, does it really?