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Recent Work:

Understanding Employers' proclivity to purchase additional benefits from their retirement Plan provider or their medical Insurance provider - a private study
Distributors' take on life carriers' digital transformation

During the first quarter of 2022, 24 distributors were interviewed providing their insights on life carriers digital initiatives. Specifically,  are the carriers meeting the needs of distribution, supporting sales and service and, if not, what needs to be improved. Distribution partners ranging from wirehouses to BGAs and IMOs participated in the study. The findings are revealing. Gaps exist and frustrations ensue. Life insurers have a unique opportunity to bridge a the gap with technology to remove barriers holding back distribution 

Digital Transformation Strategies among United States Life Insurance Carriers

Over the last 5 years, the life insurance carriers in the United States have moved to adopt digital technologies. The demand to transform their businesses have come from multiple sources. Distribution partners are demanding digital technologies from their carriers and these carriers realize they must also meet the evolving expectations of the markets they serve.

This report is currently available,

Motivating the Plan Participant to Save Well

We all know participants need to save, but do you necessarily know the myriad of reasons why they don’t?


How would our industry (and society) benefit if we could change this behavior and ultimately influence better retirement outcomes?


LIMRA and PulseLogic fielded an online consumer study in February 2020 and again in February of 2021. Each time we surveyed 2,200 retirement plan participants. This studies examined the crucial elements that led to successful or failed participant outcomes. By looking beyond savings and retirement planning behavior, we found a better understanding of what other priorities competed for these retirement dollars. We also examine participants’ debt and credit card usage, as well as other factors that may further exacerbate retirement savings leakage. Add to that COVID-19, and we delivered a comprehensive look into the participant experience.


Despite these significant headwinds, we offer strategies and tactics that record keepers, plan sponsors, and advisors might use to do their part in improving retirement plan outcomes.

Health Savings Accounts: Optics into Consumer and Financial Advisor Attitudes, Perceptions, Preferences, and Behaviors

Since their introduction in 2004, HSAs have experienced significant growth and, it is projected, will continue on this trajectory over the next few years. HDHP growth and compelling tax advantages are fueling this expansion. Once thought of as checking accounts to cover health care expenses, a changing perspective as a savings vehicle has emerged. In this study, we learn that 65% of consumers report their employer  offers a HDHP and advisors strongly feel the benefits of HDHPs accompanied with HSAs far out weight traditional plans.


Some key findings include:

-The HSA market is underserved and significant opportunity exists. But, the market is being restrained by lack of product.

-Advisors consider HSAs to be a component of the two services they report generate the most revenue.

-Two distinct, yet underserved markets exist for HSAs.

-Consumers contributing to employer sponsored retirement plans report their annual savings increased when they added a HSA.

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