What do we mean by "simple solutions"? The answer is really what sets us apart in the marketplace. As most people know, employee benefits are creating a buzz in the marketplace. Employees want more and better benefits, employers are pushed to save dollars, and insurance producers are strategizing as to how best to serve their customers.

Our solution: to offer comprehensive, integrated core and voluntary benefits through one provider, Humana Specialty Benefits. Coupled with this strategy is the underlying importance of delivering great products backed by professional, informed and courteous people.

At the end of the day, this solution seemed pretty simple to us and the simplicity of the strategy was like a coconut falling on our head, "What a concept!"