November

Executive Extract
By Arthur Blinci
I recently visited the home of a new widow. Her husband of 30 years had come in from his beloved garden, laid down to take a nap, and never awakened. It was completely unexpected. The couple had been in my Sabbath School class just the day before and everything seemed fine. Now he was gone. Tears and confusion abounded, plans were turned upside down, and financial details were left to be sorted out. Full article

Insure Your Future
By Beth Clarke, The Hartford

Here is something to think about. Could you continue to support your family if you were unable to work for a period of time? Do you know where the money to pay expenses would come from should you become disabled? For many American workers, a disabling condition or illness would stop their primary source of income, leaving them and their families in financial hardship.
Full article

Open Enrollment? Not Again!
By Lori Yingling  

It’s that time of year again! Didn’t I just go through this? Open enrollment—it strikes fear in the hearts of employees and employers, but obviously for different reasons. Open enrollment can occur at various times of the year and for various benefits, depending upon your inception dates. For example, your health care enrollment may occur in June for July inception or your AFLAC programs may be open in November for a January enrollment. How do you make sure that all employees are contacted and ensure that they understand their options and insurance coverage and how to go about enrolling? Full article

Portability and Conversion
Adapted from a Hartford Life newsletter

When consumers were asked to rank what features were most important for group life insurance, portability and conversion ranked number one and three, respectively, according to The Hartford 2005 Life Insurance Literacy Study. Full article