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Open Enrollment, time zapper!!!!

In two words, we have been able to sum up what happens during the 4th quarter every year. Even more so now! Reflect for a second the days when effective dates were spread out. You had time to prospect, and round out accounts. BACK TO REALITY....This has become so much more difficult now. Go ahead and ask any Benefits producer how things are going in the 4th quarter. The answer will be "I'm slammed!!!!!" Whether you are hands on in this process or one step removed, I’m sure you would welcome help with it.....especially if it comes at no cost.

You can't buy time, or can you?

Of course you can buy time, it's called hiring help in your department. But when you choose someone, they need to be knowledgeable, well spoken, outgoing, detail oriented, etc... For that type of employee, it will cost you and bring some financial risk. If we can give you that type of employee for free and in exchange we offer voluntary benefits to cover our cost, isn't that a win - win?

Colonial Life knows this!!! That's exactly why so many resources have been devoted to our core enrollment technology and certification process. If you haven't seen this for yourself, ask your representative for a demonstration.

Education - Communication - Distribution - Enrollment of Employee Benefits

Free Flu Shots

It's Flu season!!!! Now is the time when employers will receive the "I’m sick" phone calls. That costs time in production. For a limited time Colonial Life has a program that will provide free flu shots to employees, at your location. That’s right, if an account is of a certain size, we will provide free flu shots. Want more information, give your sales representative a call and we will be glad to review the details.

Cancer coverage timing....a success story

Picture this scene it’s the middle of winter, more that 3ft of snow on the ground in Massachusetts. I complete an employer meeting with a Broker and on the way to the car she asks if she can enroll in our Cancer plan. While she had been offered it in the past, she never elected coverage. But this day, after hearing the value, decided to enroll. So, out comes my laptop on the roof of my frozen car, and she enrolls in a Colonial cancer policy. No more than 2 months later, this producer is diagnosed with Cancer. Over $45,000 of claims and a year and a half of treatment, she was in full remission. Think she was happy she enrolled that day? She had to travel to Boston for treatments, and missed plenty of time from work. Our policy kept her going financially. These are the kind of stories that bring joy to our job. We don't simply sell insurance, we actually help people protect themselves and their family from suffering financial ruin.

Product Highlight - Medical Bridge

Clients will be increasing deductibles to offset high renewals. The client is forced to do that, or they go out of business. But when this happens, employees don’t like it. How do we help with both of those issues? Medical Bridge is part of the answer. This plan is a Hospital Indemnity plan that pays for many things including hospital confinement. Most often an insured hits their deductible due to being confined in the hospital. We can insure that risk for pennies on the dollar. This concept should be included with every Health renewal that goes out. You and I want options. Your clients want the same thing. Why not consider adding a customized Medical Bridge quote with your next Health renewal and see if the fit makes sense?

If you don't want to let summer go, here is a recipe....

Grilled Watermelon Salad


1/2 (5-pound) seedless watermelon
1/4 cup balsamic vinegar
Extra-virgin olive oil
Course ground sea salt
2 cups fresh baby arugula, washed and dried
1 cup goat cheese, crumbled
Fresh finely cracked black pepper


Stand the watermelon half cut side down on a cutting board and slice away the rind, leaving a solid block of melon. Turn the block on its side and cut it into 8 squares, roughly 3 by 3 inches and 1-inch thick.

Pour the vinegar into a small saucepan and bring to a simmer over medium-high heat. Cook until reduced to a thick syrup consistency. Set aside.

Heat a grill or grill pan. Drizzle just enough olive oil over watermelon slices to thinly coat and place on hot grill. Grill each side about 2 minutes until grill marks appear; transfer to a plate and season with salt.

To assemble the salads, put about 1/4 cup of baby arugula on a serving plate, followed by a grilled slice of watermelon in the center, and top with a tablespoon of crumbled cheese and another 1/4 cup arugula. Add another watermelon slice and another tablespoon of cheese. Repeat with remaining ingredients. Finish each salad with a very light drizzle of olive oil and balsamic syrup. Dust with black pepper and serve immediately.

Next Month - Do employee's understand the actual cost behind benefit packages? Benefit Statements help educate...