Voluntary benefits grow in importance for employers and employees
  As today’s workforce becomes more diverse, so do employers’ voluntary benefit offerings. Employers of all sizes across all industries are feeling the pressure to meet the changing needs and lifestyles of their employees. A large majority of employers believe voluntary benefits will be important in adding to employee satisfaction, ultimately increasing their value over time.1  
  According to a recent industry study by Towers Watson, 92 percent of participants surveyed expect that voluntary benefits will be at the forefront of their strategic thinking and important to their employee value proposition over the next three to five years, compared to only 59 percent in 2013.1 The study also saw growth of voluntary benefits virtually across all employer groups and categories.1  
  The number of business offering voluntary critical illness insurance is expected to grow from 44 to 73 percent by 2018.1 Critical illness is one of the fastest-growing voluntary benefits because it responds to employees’ changing needs. This fast growth in voluntary benefits like critical illness can be attributed to a generational shift in the marketplace.  
  Employers are using voluntary benefits more than ever to appeal to a more diverse workforce.1 Many are focused on providing options to Millennials who are concerned about their financial wellbeing. Millennials are the highest employee group to not have at least $2,000 dollars in emergency savings for unexpected expenses.2 Employers are also looking to products that speak to ageing Baby Boomers who are ready for retirement, but are being confronted with higher healthcare costs.1  
  Agents should work with their clients to include voluntary benefit programs in their benefit portfolio to give employees the opportunity to expand upon and personalize their benefits. Kemper Health has a wide portfolio of products that address employees’ changing needs. Baby Boomers are comforted by the security of a Kemper Health Critical Illness insurance plan, because it has one of the broadest ranges of covered conditions. The Kemper Health Accident Expense insurance plan appeals to employees with young children because it covers non-professional, scholastic sports.  

Kemper Health has a broad portfolio of integrated solutions that fit your clients’ generation and lifestyle needs, as well as provide valuable additions to employees’ current benefit strategy.
  1 http://bit.ly/1Mn7hQh
2 “Money Smarts: Helping Employees Make the Grade.” Purchasing Power. February 2015
Call your Kemper Health Territory Manager at 877.907.5511. You may also email sales@kemperbenefits.com to discuss how the full array of Kemper Health solutions can address your client’s benefit needs.  
  The underwriting company for the Accident Expense, Accident Indemnity, Critical Illness, Dental, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, a Kemper Life & Health Company. Kemper Corporation (NYSE: KMPR) is one of the nation’s leading insurers, with subsidiaries that provide an array of products to the individual and business markets. Kemper underwriting companies are rated “A-” (Excellent) by A.M. Best Company, a leading insurance industry rating authority. Kemper Corporation is not responsible for the products of any of its underwriting companies. The underwriting company for the Hospital Indemnity, Gap, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company (FSL). FSL is rated “A-“ (Excellent) by A.M. Best Company. FSL is not financially affiliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the specific policy. Product availability may vary by state.

Neither Reserve National Insurance Company, FSL, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

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