Some job hunters may still be struggling to find low-stress, highly paid jobs that don’t require the ability to close sales, but employers are having a tougher time filling the openings they actually want to fill.

Baby boomers are starting to age out of the workforce, the unemployment rate has fallen to 4.1%, and the number of “help wanted” signs in shop and restaurant windows is growing.

(Related: Unhappy Part-Timers Find Bliss As U.S. Job Market Heats Up)

This should be a great time for agents, brokers and anyone else offering products that can help employers set themselves apart from other employers.

Analysts talk about potential opportunities for benefits market innovation in a new paper distributed by Majesco, an insurance technology company based in Morristown, New Jersey.

Denise Garth, a Majesco executive, and other paper authors include, for example, a chart that classifies 285 “insurtech startups” by focus and location.

Another chart gives a list of innovative benefits. Some, including pet insurance and unlimited time off, maybe familiar to you.

Radar (Image: Bram Janssens/Thinkstock)

(Image: Bram Janssens/Thinkstock)

Some of the other benefits may be new to you, even if you are a voluntary benefits and worksite marketing veteran.

Here’s a look at five of what, to us, seemed to be the most unusual items from the Majesco paper innovative benefits list.

1. Adoption, fertility and surrogacy assistance.

2. Home-based telemedicine therapy and support programs aimed at people with musculoskeletal injuries.

3. Free cable TV.

4. Wedding expense assistance.

5. Autism benefits.

One takeaway from the list is that insurers and retirement services providers are not the only companies competing for slots on workers’ payroll deduction lists. The competition may be good for agents and brokers that want to diversify, but hard on financial professionals who understand typical workers’ lack of protection against mortality, morbidity and longevity risk.

—Read Trump Asks ‘How’s Your 401(k)?’ But Most Voters Don’t Have One  on ThinkAdvisor.

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