Cash-strapped and under-staffed human resource administrators urgently need help. They don't have the time or inclination to enroll employees, deal with evidence of insurability, or handle personal employee health information.

Minnesota Life Insurance Co. listened to its corporate customers and responded. "We looked at what technologies we could put in place so that benefits administrators could get out of the insurance business," explains Maria O'Phelan, second vice president, group life insurance customer service and technology.

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