What self-employed workers and small-business owners should know about injury accidents
It is far easier to calculate lost wages and lost earning capacity when records involve stable salaries, regular pay periods and employer-verified records.
From the Field: Expert Insights
Reframing retirement income for greater certainty
A meaningful shift is underway among Americans approaching retirement.
The opportunity in the bottom half of the K-shaped economy
The K-shaped economy narrows in on a reality that life insurers can no longer afford to treat as secondary.
Strategy is not a framework
What the best insurance teams understand about executing technology.
How PEPs compare with traditional 401(k)s
How pooled employer plans compare with traditional single-employer 401(k)s.
When risk moves faster than insurance, everyone pays the price
When insurance availability tightens, the consequences move quickly beyond the policyholder.
Data verification: Modernizing life insurance for the digital consumer
The traditional application process for life insurance often feels outdated compared to the seamless way people manage the rest of their financial lives.
Brokers face a new reality in voluntary benefits
Employer expectations around voluntary benefits are changing.
Rising healthcare costs impact 401(k) accounts
Medical bills are one of the leading reasons Americans raid their retirement accounts early.
The Medicare rules agents would repeal tomorrow
Medicare’s regulatory framework was built for a version of retirement that no longer exists.
GenAI: Moving to the forefront of claims management
Generative AI has moved well beyond the margins of claims management and is now woven into everyday workflows.
Generational expectations: A challenge for the industry
Business as usual is no longer sufficient.
5 steps to take before selling your firm
Taking steps to prepare an agency or brokerage before putting it on the market can increase its valuation.
Rethinking the ways employers manage benefits risk
Employers who are waiting for benefits costs to stabilize may be misunderstanding what is happening in the market.
GLP-1s: Rewriting the relationship between pharmacy benefits and stop-loss
GLP-1s are forcing the conversations about pharmacy benefits and stop-loss strategy.
How life insurance became a living-benefits strategy
Life insurance is increasingly being positioned as a living financial strategy.
When an MEC is an effective planning tool
A modified endowmnent contract isn’t inherently good or bad.
Medicare Advantage: What agents in the field are seeing
The economics are straightforward, and they’re ugly.
Your clients are sitting on underused assets
Something significant is happening in the life insurance market, and it is unfolding quietly.
