Talkin Bout my Generation
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1 Talkin Bout my Generation 12/18/17 ESB
2 Let s Talk About the Generations 1. How they ve been shaped 2. Communications Preferences 3. Benefits Knowledge
3 2017 Generations in Workforce 1. Baby Boomers 2. Gen Xers 3. Millennials
4 ESB
5 ESB Baby Boomers
6 Baby Boomers million strong Second largest generation in the US Longer attention spans 2 1 Pew Research Center: Millennials overtake Baby Boomers as America s largest generation; April 25, Networking Times: How Baby Boomers, Gen Xers, and Millennials Respond to Technology and Style; November 29, ESB
7 First Man on the Moon Music with a Message Desktop Computers ESB
8 Buying Trends & Predictions Healthcare costs anticipated to be the largest annual expense 1 Spend $59,646 a year 2 1 Medicare Supplement: Where are Boomers Spending Their Money?; accessed July 13, 2017 from medicaresupplement.com. 2 U.S. Department of Labor: Spending Habits by Generation; November 3, 2016.
9 Spending Breakdown U.S. Department of Labor: Spending Habits by Generation; November 3, 2016.
10 Buying Trends & Predictions Healthcare costs anticipated to be the largest annual expense 1 Spend $59,646 a year 2 Largest share of disposable income 3 Travel and entertainment 2 1 Medicare Supplement: Where are Boomers Spending Their Money?; accessed July 13, 2017 from medicaresupplement.com. 2 U.S. Department of Labor: Spending Habits by Generation; November 3, Fox Business: Where Baby Boomers Spend Their Money and How to Profit From It; September 13, 2016.
11 ESB Generation X
12 1 Pew Research Center: Millennials overtake Baby Boomers as America s largest generation; April 25, US Department of Labor: Spending Habits by Generation; November 3, Generation X 1965 to million 1 Most buying power 2 ESB
13 World Events on Life TV Fall of Berlin Wall Internet in the Workplace ESB
14 Buying Trends & Predictions Starting families Buying more insurance products BenefitsPro: Why Gen X is the bullseye generation for non-medical benefits; November 19, 2015.
15 Buying Trends & Predictions 82% Auto Insurance 78% Homeowners or Renters Insurance 48% Life Insurance V12 Data: Insurance for the Generations: Marketing to Boomers and the Millennials; accessed from v12data.com on August 11, 2017.
16 Buying Trends & Predictions Starting families 1 Buying more insurance products 1 82% are homeowners 2 Spend $66,981 a year 3 1 BenefitsPro:Why Gen X is the bullseye generation for non-medical benefits; November 19, Dan Schawbel: 44 Of The Most Interesting Facts About Generation X; July 26, US Department of Labor: Spending Habits by Generation; November 3, 2016.
17 Spending Breakdown U.S. Department of Labor: Spending Habits by Generation; November 3, 2016.
18 Buying Trends & Predictions Starting families 1 Buying more insurance products 1 82% are homeowners 2 Spend $66,981 a year 3 Loyal to brands 4 1 BenefitsPro:Why Gen X is the bullseye generation for non-medical benefits; November 19, Dan Schawbel: 44 Of The Most Interesting Facts About Generation X; July 26, US Department of Labor: Spending Habits by Generation; November 3, AZ Central: Generation X Consumer Behavior; accessed August 11, 2017 from azcentral.com.
19 ESB Millennials
20 Millennials 1981 to million 1 Largest generation 1 By 2015, 1 in 4 had earned a bachelor s degree 2 1 Pew Research Center: Millennials overtake Baby Boomers as America s largest generation; April 25, Agency Nation: How to Sell Insurance to Millennials; September 27, ESB
21 Computer and Technology Emphasis on Child- Rearing Environmental Impact Awareness Social Networking ESB
22 Buying Trends & Predictions 89% increase in student borrowers 1 Average student loan balance grew 77% 1 Spend $47,113 a year 2 1 Agency Nation: How to Sell Insurance to Millennials; September 27, U.S. Department of Labor: Spending Habits by Generation; November 3, 2016.
23 Spending Breakdown U.S. Department of Labor: Spending Habits by Generation; November 3, 2016.
24 Buying Trends & Predictions 81% Auto Insurance 63% Homeowners or Renters Insurance 33% Life Insurance V12Data: Insurance for the Generations: Marketing to Boomers and the Millennials; accessed from v12data.com on September 12, 2017.
25 Buying Trends & Predictions
26 Benefits Breakdown BenefitFocus: The State of Employee Benefits, Insights and Opportunities Based on Behavioral Data; April 4, 2016.
27 Medical Plan Participation BenefitFocus: The State of Employee Benefits, Insights and Opportunities Based on Behavioral Data; April 4, 2016.
28 Health Savings Account Contributions Individual Coverage Family Coverage BenefitFocus: The State of Employee Benefits, Insights and Opportunities Based on Behavioral Data; April 4, 2016.
29 Flexible Spending Account Contributions Individual Coverage Family Coverage BenefitFocus: The State of Employee Benefits, Insights and Opportunities Based on Behavioral Data; April 4, 2016.
30 Generations and Communications Preferences
31 Benefits account for up to 30% of total employee compensation, yet employers rarely allocate resources to make sure their employees understand and value the benefits they are offered. Help Employers Connect the Dots 2016 LIMRA Employer Study
32 Comprehensive Communication Plan 1 BenefitFocus: 5 Employee Benefit Trends to Watch in 2017; December 29, Employee Benefit News: How four employers are getting benefits communications right; May 25,
33 Different Communication Preferences Baby Boomers Face to Face Society for Human Resource Management: Millennials in the Dark About Their Benefits; January 14, 2016.
34 Different Communication Preferences Baby Boomers Face to Face 1 Gen Xers Multiple Channels 2 1 Society for Human Resource Management: Millennials in the Dark About Their Benefits; January 14, AZ Central: Generation X Consumer Behavior; accessed August 11, 2017 from azcentral.com.
35 Different Communication Preferences Baby Boomers Face to Face 1 Gen Xers Multiple Channels 2 Millennials Go Digital 3 1 Society for Human Resource Management: Millennials in the Dark About Their Benefits; January 14, AZ Central: Generation X Consumer Behavior; accessed August 11, 2017 from azcentral.com. 3 Forbes: Phone Calls, Texts or ? Here's How Millennials Prefer To Communicate; May 11, 2017
36 Millennial Preferences Spreading communication out all year and using modern and brief formats like blogs and videos will improve the effectiveness of communications. -Jennifer Benz Founder and CEO Benz Communications Society for Human Resource Management: Millennials in the Dark About Their Benefits; January 14, 2016.
37 Communication Preferences The Northridge Group: State of Customer Service Experience 2016; August 2016.
38 Ease of Contacting a Company by Channel The Northridge Group: State of Customer Service Experience 2016; August 2016.
39 Measure Success LIMRA: 2016 Employer Study; Help Employers Connect the Dots, Benefit Communications. ESB
40 Discussion
41 American Fidelity Assurance Company
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