We continue to see significant growth in the voluntary benefits market — and that’s important not just for our company and our industry, but for America’s workers. It means an increasing number of them are getting the financial protection they and their families need.

But that growth also brings challenges, especially for individual voluntary insurance involving millions of individual transactions. At the same time that we are experiencing volume growth, today’s mobile and technology-savvy workforce expects the same 24/7 access to information and service they get from other financial services companies.

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