What it means to wind down a year: Lessons for brokers, employers, and employees

As 2026 approaches, the end of the year isn’t just about closing the books; it’s about reflection, recalibration, and readiness for what’s next. For those of us in the insurance industry, winding down the year is more than a checklist; it’s a strategic opportunity.

For brokers

Year-end is the perfect time to review client portfolios and identify gaps in coverage. Employers are looking for partners who anticipate their needs, not just react to them. Use this period to:

• Analyze utilization trends and claims data
• Prepare insights for renewal conversations
• Position yourself as a trusted advisor for 2026 planning

For employers

Your workforce is evolving, and so are their expectations. Winding down the year means:

• Reviewing benefit engagement metrics
• Assessing whether ancillary offerings align with employee needs
• Communicating clearly about upcoming changes to avoid surprises

For employees

This is the moment to take stock of your benefits:

• Understand what they’ve used and what’s available
• Plan for life events that may impact coverage in the new year
• Ask questions now, before enrollment windows close

Looking ahead to 2026

The ancillary insurance landscape is shifting toward personalization and digital convenience. Employers and brokers who embrace these trends will lead the way. Think about:

• Leveraging technology for better benefit education
• Offering flexible options that meet diverse needs
• Building resilience into your strategies for an unpredictable market

At USAble Life, we believe winding down the year is about more than closing; it’s about opening doors to smarter decisions and stronger relationships.

✅ Ready to make 2026 your most strategic year yet? Start now.