What will our industry look like in 2030? It’s likely that voluntary benefits will be considered the most critical and valuable benefits offered to employees. Employees will get to pick the specific benefits that are most important to them and their family members.
In the future, Employer-Contributed, Government-Subsidized Insurance is coverage you expect as a valued employee. You work hard. You attend meetings, but not in a typical office setting. Your handheld device makes 2020 technology seem as antiquated as the 1980’s Motorola brick cell phone, complete with antenna. Your phone is your computer and your portal to your daily life, from work to home, personal accounting to entertainment. Retinal scanning connects all your devices.
Everyday life is efficient and modern, but bad things still happen. Suffering, loss, and illness will never be eradicated.
The banking, insurance, and investment products industries have merged into what we call the risk industry. Counselors are experts in risk, from genetics to finance.
In 2030, law mandates that risk products be bound by human conversation rather than artificial acknowledgment. The disastrous tech glitch of 2028 exposed the incredible value of our Risk Experts (formerly known as Benefit Counselors). As predicted, technology is no replacement for caring humans who can help guide people and share plans tailored to individual needs.
When the Risk Expert trade schools opened in 2023, young people flocked to the business of risk management. Like in the healthcare industry, these Risk Experts now have a place where they can make a difference. These insurance enrollment meetings are accomplished face-to-face, virtually.
Though it isn’t 2030, this vision fits our current model. As the nation responds to the COVID-19 pandemic, we find our model is well-suited to meet the needs of the employment challenges ahead.
Carriers, enrollment firms, vendors, and industry thought leaders must anticipate how the industry will evolve over the next decade. How will you adapt, remain relevant, and most importantly, add value? And with whom will you align?
- Doug Myrick
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