Spotlight Reports Archives
Market Overview
The report examines the role voluntary plays in group companies and compares this data with a similar report conducted in 2004.
Examines the worksite/voluntary marketplace; specifically, annual sales, inforce premium, leading players, product trends, and distribution channels. In addition, the report provides a competitive analysis on 14 of the top worksite marketing players. All data has been updated and includes sales figures and other results for 2008.
The report examines the landscape of the third-party administrator/business
process outsource market as it pertains to voluntary benefits.
It also takes a close look at the practices of nine administrators
that provide a range of services to insurance carriers desiring
to outsource back office processes.
Looks at the experiences of nine carriers who either exited
the worksite market or who studied the market but were never
able to implement a program. In addition to information by carrier,
the report details some of the common "mistakes" made
by carriers and gives some recommendations on how to run a successful
worksite business.
The report examines the current administrative and billing practices of 24 carriers active in the voluntary market.
This report examines, in detail, the enrollment practices of
various carriers in the worksite market.
This report updates our past studies and examines the practices and policies of 27 of the top worksite/voluntary marketing carriers.
The report examines the types of enrollment services offered by 23 companies, including the markets served, case requirements, products offered, enrollment methods used, compensation, etc.
The report examines the web capabilities (broker, employer, and employee) of 16 voluntary insurance carriers.
The report examines the marketing practices of 22 voluntary carriers, including the structure and organization of the marketing department, advertising and branding, customer marketing, Internet and website marketing, etc.
The purpose of this study was to take a closer look at the sales reps’ compensation practices among various companies in the market. Data was gathered from 38 companies.
This report details the operational practices of 22 worksite
carriers in the areas of underwriting, enrollment, and policy
issue.
The report examines why carriers look to other carriers to
manufacture product, the nature/term of the agreement between
the carriers, the carrier selection process, and the role of
each party in the joint venture. Additionally, the report looks
at other alternatives carriers can use to help in developing
products (e.g.: reinsurers, MGUs, TPAs, etc.) and the specific
provisions under such outsource venture. The report also includes
two sample tools for a carrier to use when looking for a product
manufacturer with whom to partner.
This report is designed to document the current best practices
for administering Section 125 business, especially flexible spending
account administration.
This report looks at the role worksite marketing and voluntary benefits play for the Benefit Broker. Data in the report comes from interviews with over 420 Benefit Brokers.
This report looks at the role worksite marketing and voluntary benefits play for the medical broker. Data in the report comes from interviews with over 640 medical brokers.
This report looks at the role voluntary benefits play for large
commercial agencies and compares and contrasts this to the “traditional”
employee benefits broker. It also looks at the needs and wants
of large agencies in relation to voluntary products.
The study examines, in detail, the “landscape”
of today’s worksite distributors, including the segments
currently selling voluntary and the needs and expectations of
each.
This report presents an analysis of the common distribution
structure models used by worksite companies and then examines
the practices of 17 different worksite/voluntary carriers.
The purpose of this study was to update the
"landscape" of today's worksite distributors. With
this information, carriers can evaluate if their offering is
keeping up with the needs of their targeted producers or if changes
are needed.
This report explores the current and potential opportunities
for alternate distribution channels from two perspectives: carriers
and those currently representing alternate channels. The study
looks at the possible channels for worksite marketing sales,
how carriers currently use these channels, and which channels
are producing sales—and why. Additionally, the study provides
direct feedback from alternative channel representatives including
how interested these individuals are in worksite products sales
and what they expect from their carrier partners.
Provides insight into the Worksite Specialist producer segment—their
wants and needs—and how carriers can successfully attract
and use this segment to boost their worksite sales.
Provides insight into the current practices, future plans,
needs, and expectations of Employee Benefits Brokers, including
the percent currently selling worksite products, how much worksite
business this group sells, which voluntary products they write,
and which worksite carriers they use most frequently and why.
The report examines the landscape of the employer-based association market relative to worksite marketing/voluntary products.
The report analyzes carrier opportunities for selling voluntary benefits in the small employer market. This includes those cases with at least 10 but fewer than 100 employees.
Data in the report comes from several different Eastbridge studies and includes both qualitative and quantitative findings from employers and carriers involved in the very large case market.
The study examines employee attitudes towards benefits, in general,
as well as towards voluntary products. The report also looks
at changes that have occurred in employee attitudes over the
last several years since our 2002 MarketVision™ study
and 2004 Rising Costs of Employee Benefits — The Employee
Perspective study.
The study examines employer attitudes towards benefits, in
general, as well as towards voluntary benefits. The report also
updates the landmark MarketVision™ study of 2002 and several
other employer studies conducted over the last three years.
The overall objective of this study was to determine the impact
of medical insurance and health costs on employee's decisions
to purchase other insurance.
This report is designed to help carriers keep abreast of current
employer demands in the employee benefits arena and how to plan
for—and take advantage of—future changes.
The report examines the voluntary dental market, in general, an d provides general information on carrier results, competitors, trends, and concerns regarding the market. Then the report looks at the voluntary dental products of 13 carriers.
Gives a general overview of the voluntary term life market and then examines, in detail, the voluntary term products of 16 carriers active in the market.
The report examines the voluntary cancer market, in general, an d provides general information on carrier results, competitors, persistency, trends, and concerns regarding the market. Then the report looks at the cancer products for 10 carriers.
The report examines the current voluntary vision market, in general and the vision products of 12 different providers/carriers active in the market.
The report examines the current voluntary accident market, in general, and the accident products of 16 different carriers active in the market.
The report examines the current universal life and whole life product market, in general, and gives a current outlook from three different perspectives: brokers, employers, and employees. It also examines the universal/whole life products of 18 different carriers active in the market.
The objective of this report is to help carriers stay current on the evolving limited benefit medical market. The report looks at plan benefits, underwriting practices, billing, and commissions. It also gives an overview of the limited benefit market.
The objective of this report is to help carriers stay current on the ever-changing voluntary STD market by examining carrier best practices in the areas of product features and benefits, underwriting guidelines, and administrative practices.
The report examines the overall voluntary long-term disability (VLTD) market and then compares the VLTD products of fourteen carriers.
The report begins with an analysis of today’s critical
illness market and provides general information on each carriers’ results,
competitors, persistency, penetration, products success factors,
etc. Then the report examines the practices of 17 critical illness
providers.
The primary objective of this study is to uncover the current
trends in the voluntary medical market. Specifically, the study
gathered data from ten organizations considered to be among the “thought
leaders” in the voluntary medical market. Those interviewed
included both carriers offering such products as well as distributors.
The report examines the current state of the health savings
account (HSA) market from the perspective of voluntary benefit
brokers and carriers.
The report examines the current state of the supplemental medical
market from four different perspectives: employers, employees,
producers, and carriers. It also takes a close look at the practices
of 15 supplemental medical or hospital indemnity providers, including
product features, prevalent underwriting parameters, distribution
systems, target markets/typical buyer profiles.
This report looks at the current activities of both brokers
and carriers on issue related to product packaging and product
innovation. It also explores their opinions on these topics-both
present day and for the future.
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