If you previously have avoided worksite voluntary benefits as just a one-dimensional product play, this strategy is likely to change your mind about these valuable and highly versatile employee benefits. If you have been offering WVB but want some new ways to leverage voluntary as a solution for your clients, you will love this strategy.

I recently wrote about how the Affordable Care Act is moving the benefits industry toward a consumer-centric model, where the benefits decision maker will no longer be the employer, but the employee. Some visionary brokers are opening retail stores to serve these new insurance customers. But you don't have to open a storefront to adopt a more consumer-centric business model.

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