Benefits agencies have been riding a wave of innovation that was created in the 1940s. But, that wave has since crashed on shore and is now viciously pulling people out to sea with it as it retreats. It’s time to reinvent the independent agency.

Offering group benefits was the brainchild of some creative people during WWII. Businesses needed to hire more employees but were limited on what they could pay, due to wage and price controls. They got resourceful by taking advantage of tax benefits, and thus, fringe benefits were born.

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