This Briefing includes insights and opinions of brokers and employers on ancillary group insurance products (such as Supplemental/Voluntary Life, Voluntary Short-Term Disability, Voluntary Long-Term Disability, and Accidental Death and Dismemberment), carriers providing them, and the bundling of these products. Brokers only also shared information on non-traditional distribution channels. Based on the results of an online survey conducted among more than 200 brokers and more than 150 benefits decision-makers, the study was conducted in September 2012.