Continuing to offer competitive and profitable VSTD products will challenge carriers in the future, according to Eastbridge Consulting research

AVON, CONNECTICUT, USA (November 13, 2014)

Along with the need to strike a good balance between a competitive product and a profitable one, carriers mentioned increasing participation rates and better educating employees about the need for disability insurance as specific challenges they expect to face in the future. Many also said there will be an increasing need to monitor and/or address the growth of private exchanges, the limitation on or removal of pre-existing conditions to their voluntary short-term disability (VSTD) plans, and a greater emphasis on offering guaranteed issue.

Eastbridge’s recently released Voluntary Short-Term Disability Products Spotlight™ Report examines some of the challenges and future trends affecting VSTD plans in the future. Those surveyed believe the future of the market is positive, with almost all expecting positive sales growth in the VSTD line and increased growth in the overall market due to more non-traditional disability carriers entering it. Much of this stems from plans they have for the product in the future. These include a greater emphasis on marketing and enrollment specific to VSTD and plans for growing distribution for the product. Many are also looking at product variations and updates including more portable, hybrid VSTD products.

This year’s report includes 20 carrier participants representing 25 different VSTD products. The report includes general market and carrier information and then detailed information on each participant’s product features and benefits, underwriting guidelines, rates and premium structure and commission and compensation, as well their views of the current trends and challenges surrounding the VSTD market.

The cost of the report is $3,000. To purchase, call (860) 676-9633 or email

Report Summary

Eastbridge Consulting Group, Inc. is a marketing advisory firm serving insurance and financial services organizations in the United States and Canada.


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