As more carriers write accident coverage policies, employer interest in the coverage has grown by double digits, brokers and research associations report. Policies are usually inexpensive and offer guaranteed lump-sum coverage to be used at the subscriber's discretion, and some pay a portion of out-of-pocket expenses for treatment. "Voluntary products are in the limelight right now," said Randy Finn, Colonial Life's vice president of product development. "Brokers are focused on how they can build a stronger package for clients, strengthen those relationships, and offer more options for revenue streams," he said.

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