To people who are trying to pinch every penny from their paychecks, investing in benefits that are not major medical, dental, vision and even retirement can sound like an unnecessary expense. However, with proper communication from advisers about the financial benefits of voluntary products, employees will want to take another look at the value of what companies are making available to them.

“Voluntary sales are continuing to climb for the second consecutive year — by 6% in 2015,” says Jennifer Kischell, vice president of voluntary benefit delivery at MetLife. “Part of that is because of provided choice to employees.”

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