A dentist holding up a tooth in front of a computer-generated image of a row of teeth. (Photo: Eckehard Schulz/AP) (Photo: Eckehard Schulz/AP)

Many workers would like to have more insurance.

You might like to sell more insurance.

An executive at Unum Group has an idea about how to bring buyers and sellers together: Remember that workers at different life stages might have their own reasons for wanting  the ability to take their benefits with them when they leave their employers.

(Related: U.S. Labor Shortages May Get Worse: Economists)

David Roth, an executive in the dental and vision department at Unum Group’s Colonial Life unit, talked about worksite dental insurance portability in an interview about Colonial Life’s new dental and vision benefits program.

Colonial Life focuses on selling benefits to workers at the worksite.

Unum extended its benefits offerings in 2016, by acquiring Starmount, a company that sold vision and dental benefits through its AlwaysCare unit.

Unum has been making the dental and vision benefits programs available to its Unum US and Colonial Life agents and brokers.

 

Benefits marketers have always talked about the value of dental insurance is a tool for getting in the employer’s door.

That principle has worked for Colonial Life, Roth said in the interview.

Because dental insurance has been so popular, “new agents are able to have success earlier,” Roth said.

Offering individual dental insurance at the worksite has another benefit: boomer appeal.

“We offer portability,” Roth says.

Colonial Life’s dental coverage can last until the insureds reach age 75.

At public employers, many of the employees are in their 50s, and they are thinking about getting ready to retire, Roth said.

Many early retirees, and potential early retirees, are happy when they hear that worksite dental coverage can go with them when they retire, Roth said.

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