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Secure Insights®

Optimize your plans with our proprietary tool

Secure Insights is our proprietary, multi-faceted data analytics solution developed in partnership with LIMRA for group insurance clients.

The tool leverages LIMRA industry data, third-party data and client census data to develop a report that provides employers a deeper understanding of their population, their populations’ needs, and the products and services we offer.

Secure Insights provides a holistic view to identify opportunities, set goals, make decisions and execute changes to help achieve the plan’s full potential.

Continue to innovate with enhanced reporting

New enhancements have been made to our Secure Insights report — which already evaluates employees’ readiness in the event of death — to show employees’ overall preparedness to financially protect themselves and their families in the event of an accident, critical illness or hospital stay. 

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Key featured insights

The following information highlights life insurance and critical illness coverage within the report; however, we also create reports for our accident and hospital indemnity products.

Overall client score

The Secure Insights score represents how financially prepared employees are in the event of a death, accident, critical illness or hospital stay.

To reach the score, we subtract existing resources from the financial need and come up a gap amount.

The score is calculated for each individual on a client census, then aggregated to a combined, weighted average score.

View a life insurance sample page

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An illustration of a 52% gap between existing resources and financial needs.

Insurance gaps

This insight shows the gaps at various age ranges across an employee population. 

In this case, 63% of the population would have a financial gap in the event of a death.  

The space between the average existing resources (vertical bars) and the average product need (horizontal lines) visually depicts the gap in the graph. On average, employees need an additional $195,588 in financial protection.

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Based on employees' existing resources (financial assets and current coverage)

Under 30, $206,00 average existing resources vs a need of $279,000. Ages 30-39, $331,00 average existing resources vs a need of $601,000. Ages 40-49, $479,00 average existing resources vs a need of $667,000. Ages 50-59, $531,00 average existing resources vs a need of $643,000. Ages 60-69, $474,00 average existing resources vs a need of $272,000.

Population overview

Understanding employee population is key. The population overview represents the demographic breakdown of a client’s population that builds a foundation for the insights in the rest of the report.

Marital status, the presence of dependent children and salary are critical variables when calculating need — and therefore have a significant impact on the analysis.

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60% are married bar chart
49% have dependent children bar chart

*Based on census data provided by the employer and adjusted to reflect US population data for greater accuracy. This adjustment is applied to all spouse and/or dependent information throughout the report due to data quality of the census file.

Population overview 32% male vs 68% female

Participation by demographic

Secure Insights helps you better understand not only the total percentage of employees participating but also the demographics of the group, including age, sex, marital status and if they have dependent children or not.

A quick demographic analysis can help align needs and insurance coverages best suited to employee populations.

Participation for age range

A bar chart compares participation by age range. Under 30 is 26.9%. 30-39 is 37.1%. 40-49 is 39%. 50-59 is 40.7%. 60-69 is 38.8%.

Participation by:

Sex

Participation by sex, 37.4% female vs 40.6% male.

Marital status

Participation by marital status, 41.7% are married

Employees with dependent children

Participation by employees with dependent children of 43.7%

Non-participant data

Secure Insights can also help you better understand who is not participating in employer plans.

This shows the demographics of non-participants, specifically marital status and dependents that can have an impact on their need.

Based on what we know about participants, this helps illustrate who may have a need so we can better educate them about the benefits of supplemental health with targeted communication.

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Percent of employees not enrolled by gender

Participation not enrolled by gender, 65% female vs 35% male

Percent of employees not enrolled by marital status

Participation not enrolled by marital status of 46%

Percent of employees not enrolled with dependent children

Employees not enrolled with dependent children of 34%

Insurance gap demographics

Secure Insights groups employees with similar demographic characteristics into segments, creating a persona for each identified segment to help clients better understand the portions of their population with the largest gap.

This persona allows us to tailor product solutions, including plan maximums, that will better fit with the identified segments.

View a life insurance sample page

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Graphic showing that there is a $363,000 average insurance gap

Plan design benchmarking

Secure Insights also provides plan design benchmarking. Competitive benefits help employers attract and retain talent. That's why seeing how their insurance plan compares to their peers' and the market is meaningful. Benchmarking data gives them confidence in their purchasing decision and helps inform plan design changes.

DOFU 1-2025

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