One of the questions we’re often asked is why considering purchase a policy for life or disability when those are benefits offered by an employer. Today, we’re going to unravel that mystery. It Doesn’t Have to Be Either/Or Typically, employer policies are small (for instance, 1-2x salary for a life... Read more →

When being presented with an insurance offer, you’re likely to encounter one of three scenarios: The offer doesn’t require an application and states that you cannot be turned down for coverage. An offer with a series of around 3-5 short questions, typically requiring a “yes” or “no” answer. An offer... Read more →

Associations are now realizing that their membership is no longer made up of the “joiner” generation. It’s increasingly more difficult to keep membership flat, much less growing. Those ahead of the curve realize that they must demonstrate the value of membership through as many tangible benefits as possible, including having... Read more →

Several insurers are encouraging employers with 51-100 full-time employees to convert their policy years in order to delay Affordable Care Act requirements. Read more →

While the new reporting forms required under the Affordable Care Act’s employer mandate rules are not due until January 31, 2016, employers should be collecting the data now. Read more →