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Also in this issue:

• Morphing Distribution
  

• Confidence in the voluntary market perseveres

• Groupification 2009: the group company perspective

• Producer-led strategic evolution
  

• Universal and whole life products – still important

• The recession’s real threats

• The fallacy of market-matching

• What’s old is new again

• Eastbridge partners write almost half of all industry sales

• Coming soon…a new report on voluntary vision products!

Past Issues

• 2008
• 2007
• 2006

Winter 2009/ No. 78

Coming soon…a new report on voluntary vision products!

Look for information on the latest Eastbridge spotlight report on voluntary vision products. The report should be available in late January or early February and will include information on the vision products offered by carriers in the market. For each carrier participating, we will look at:

• Product features (structure, options, benefits paid, exclusions, riders, etc.)
• Provider networks
• Underwriting
• Costs
• Commissions
• Sales and enrollment
• Trends and the future

Voluntary vision product sales have been growing at a significant rate over the past 2 or 3 years. In 2007, the product line grew at over 500% and accounted for almost 3 percent of all voluntary sales—more than critical illness or long-term care. Carriers interested in learning more about this product should stay tuned!