Recent research conducted by Unum, a voluntary benefit vender, found some interesting and helpful trends in voluntary lines of coverage in the last decade.  First is the noteworthy growth of accidental, life, disability and critical illness within benefit packages and their adoption.  The study attributes this growth to the cost-shifting strategies by employers to employees and employees taking more ownership of their financial protection.  But the most helpful information from this study is its focus on where and from who can be credited for this growth.  Here are some interesting findings.

• Employees in the 60 and over range increased voluntary adoption the most
• Employees in the 20-29 and 50-59 ranges increased with higher margins than employees in the 30-49 range
• The sectors that are seeing the most gains in ownerships are coming from​
  • ​​​Legal Services
  • Information Services
  • Engineering
  • Architecture
  • Management
  • Marketing