Top 4 voluntary trends of 2011, what to look for in 2012

American General Life Companies and Mutual of Omaha experts share what voluntary trends took precedence in 2011 and how products might evolve in 2012.

Employees and their families have unmet needs as far as financial protection, security

Due to economic factors employers package their services in such a way that costs of implementing and maintaining benefits are low for the employer, says Marty Traynor, VP of voluntary benefits at Mutual of Omaha. "We, the Insurance carriers, and the brokers that work with us can help employers find solutions to their own internal administration expenses for benefits that would be a factor that would be a plus as well," he says. “If there’s one caution you have to make sure affordability is built into the equation of the product offering. You don’t want to offer a portfolio of benefits that makes an employee think their voluntary benefits packages is too expensive."



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