Stay up to date in the ever-changing employee benefits marketplace with our original thought leadership and proprietary research offering insights into the latest industry trends.
From uncovering trends — to covering the bases in the employee benefits market
Research from Securian Financial
The affordability trap: Why cheaper choices cost employees more
When costs rise faster than wages, employees make affordability-first choices: lower-premium plans with higher deductibles, skipping supplemental coverage or cutting dental or vision to keep medical. The savings are immediate. This is the affordability trap: optimizing for today’s paycheck at the cost of tomorrow’s crisis. Gaps are then created that employees don’t see until something goes wrong.
Our proprietary research explores six gaps, and what employers can do to close them.
Thought leadership articles
Finding the sweet spot: Delivering sustainable value in supplemental health insurance
Learn how utilization, claims experience and pricing work together to help supplemental health benefits deliver sustainable employee value.
Coverage Drift™: The hidden risk inside employer life insurance programs
Coverage Drift is the widening gap between an employee’s life insurance coverage and the financial responsibilities their family depends on today. Learn how employers can uncover it and address it to meet employees’ needs.
When health trends point in different directions, benefits strategies need a wider lens
Employers, brokers and carriers face conflicting health signals, some trends point to improving outcomes while others increase claims pressure.
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DOFU 3-2026
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