Voluntary Benefits in the Large Case Market

Cost: $3,000; published 2023

The Voluntary Benefits in the Large Case Market Spotlight™ Report analyzes the opportunities and current results for selling voluntary benefits in the large employer market and updates Eastbridge’s previous report on this subject.

While the definition of a large case varies dramatically from carrier to carrier, this report defines it as having 1,000 or more employees. The report further breaks down the large case market by size where data is available and looks at:

  • Size of the large employer market
  • Products sold in this market
  • What large case employers look for in a voluntary product and carrier
  • Differences in attitudes or ownership for employees in the large case market
  • Key carriers in the large case market
  • Carrier practices in the market

With this information, carriers can better understand the large case market and how to compete more effectively or determine if this is a market they should pursue.

[Note: The data in this report is pulled from the large case-specific data published in several other Eastbridge studies, including the 2022 MarketVision™—The Employer Viewpoint© and 2023 MarketVision™—The Employee Viewpoint© studies, as well as the 2022 U.S. Voluntary/Worksite Sales Report. The data presented in the Carrier Viewpoint section of this report is from a new study not previously published. Overall, the error margin for the data is roughly plus or minus 5 percentage points, with slightly higher margins for individual size segments.]


View Table of Contents

1. Executive Summary

A. Study Objectives and Methodology

B. Key Findings

2. Detailed Findings

A. The Market

1. Size of the Market

2. Benefits Offered

3. Prevalence of Voluntary

4. Voluntary Sales

5. Large Case Sales by Carrier

B. Employer Viewpoint

1. Likelihood of Changing Benefits Program

2. Reasons for Offering Voluntary

3. Most Helpful Aspect of Voluntary

4. Number of Voluntary Carriers Used

5 Importance Factors in Choosing a Voluntary Carrier

6. Voluntary Products Offered

7. Most Recent Enrollment Method

8. Preferred Enrollment Methods

9. Methods of Educating and Communicating Benefits

C. Enrollment Changes Made Due to COVID-19 and Planning to Keep

1. Most Important Factors Considered in Choosing an Enrollment Platform

2. Administrative Preferences of Large Employers

D. Employee Viewpoint

1. Ownership of Voluntary

2. Voluntary Products Owned

3. Importance of Various Products

4. Interest in Buying on a Voluntary Basis

5. Preferred Method of Payment

6. Preferences for Learning about Voluntary

7. Method of Enrollment

8. Overall Satisfaction with Enrollment

9. Online Capabilities

E. Carrier Viewpoint

1. Introduction

2. Market Focus

3. Key Competitors

4. Large Case Products

5. Large Case Product Platform and Future Trends

6. Average Number of Products Sold

7. Product Bundling

8. Discounts for Multiple Products

9. Trends in Bundling

10. Marketing Tools for Large Cases

11. Special Employer Services

12. Underwriting for Large Cases

13. Types of Brokers/Producers in Large Case Voluntary Market

14. Enrollment Methods

15. Enrollment or Technology Agreements

16. Participation Rules

17. Takeovers

18. Large Case Results — Participation

19. Large Case Results – Persistency

20. Large Case Results – Profitability

F. Challenges

G. Future Concerns or Trends


To purchase Reports: Call (860) 676-9633 or email [email protected]

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For more information, please contact us at [email protected] or (860) 676-9633.



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