In this Briefing, both brokers and employers offer their points of view on the economy and how it affects their businesses and employee benefits purchases. Results are based on an online information exchange conducted in February, 2009 among more than 150 brokers and about 120 employers. Also, brokers share their reactions to the concepts of adding funeral services assistance to life insurance policies, and to executive carve outs, which are individually-owned policies targeted at highly-compensated employees.