Table 1: Who Enrolls Voluntary Products Sold to Small Employers?
| Number of carriers | ||||
| 2-5 Employees | 6-10 Employees | 11-14 Employees | 15-20 Employees | |
| Carrier rep (agent/broker) | 14 | 18 | 22 | 23 |
| Enrollers (internal or external) | 6 | 9 | 13 | 14 |
| The employer | 1 | 2 | 4 | 5 |
| Self-service (phone, Internet) | 1 | 2 | 4 | 5 |
| Strategic partners | 0 | 1 | 1 | 1 |
Source: LIMRA International
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