The ancillary benefits market's 2025 slump wasn't a blip

Workplace life, disability and supplemental health sales cooled in 2025 after four record years. New LIMRA data suggest the reset runs deeper than a single rough year

Commercial risk teams are responding with tighter controls, scenario modeling, and broader collaboration across underwriting, claims, and cyber operations.

Leaders continue to prioritize resilience planning while balancing cost, coverage terms, and operational exposure in a changing market cycle.