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Secure Insights®

Optimize your plans with our proprietary tool

Secure Insights is our proprietary, multi-faceted data analytics solution developed in partnership with LIMRA for group insurance clients.

The tool leverages LIMRA industry data, third-party data and client census data to develop a report that provides employers a deeper understanding of their population, their populations’ needs, and the products and services we offer.

Secure Insights provides a holistic view to identify opportunities, set goals, make decisions and execute changes to help achieve the plan’s full potential.

Continue to innovate with enhanced reporting

New enhancements have been made to our Secure Insights report — which already evaluates employees’ readiness in the event of death — to show employees’ overall preparedness to financially protect themselves and their families in the event of an accident, critical illness or hospital stay. 

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Key featured insights

The following information highlights life insurance and critical illness coverage within the report; however, we also create reports for our accident and hospital indemnity products.

Overall client score

The Secure Insights score represents how financially prepared employees are in the event of a death, accident, critical illness or hospital stay.

To reach the score, we subtract existing resources from the financial need and come up a gap amount.

The score is calculated for each individual on a client census, then aggregated to a combined, weighted average score.

View a life insurance sample page

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A Secure Insights Score of 52 A gauge moves up from 0 to 52 to reveal the existing resources, indicated as good on the scale. Leaving a financial needs gap of 48 percent. EXISTING RESOURCES Secure Insights Score: 0 G O O D B E T T E R B E S T G A P FINANCIAL NEED

Insurance gaps

This insight shows the gaps at various age ranges across an employee population. 

In this case, 63% of the population would have a financial gap in the event of a death.  

The space between the average existing resources (vertical bars) and the average product need (horizontal lines) visually depicts the gap in the graph. On average, employees need an additional $195,588 in financial protection.

View a life insurance sample page

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Based on employees' existing resources (financial assets and current coverage)

A bar chart showing employees existing resources Under 30, $206,00 average existing resources vs a need of $279,000. Ages 30-39, $331,00 average existing resources vs a need of $601,000. Ages 40-49, $479,00 average existing resources vs a need of $667,000. Ages 50-59, $531,00 average existing resources vs a need of $643,000. Ages 60-69, $474,00 average existing resources vs a need of $272,000. AGE RANGE 0K 100K 200K 300K 400K 700K 600K 800K <30 30-39 40-49 50-59 60-69 $279K $601K $667K $643K $272K Average need Average existing resources $206K $331K $479K $531K $474K 500K

Population overview

Understanding employee population is key. The population overview represents the demographic breakdown of a client’s population that builds a foundation for the insights in the rest of the report.

Marital status, the presence of dependent children and salary are critical variables when calculating need — and therefore have a significant impact on the analysis.

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Employee population marriage demographics A bar chart showing that 60 percent are married. 0 % are married

Employee population children demographics A bar chart showing that 49 percent have dependent children. 0 % have dependent children

*Based on census data provided by the employer and adjusted to reflect US population data for greater accuracy. This adjustment is applied to all spouse and/or dependent information throughout the report due to data quality of the census file.

A pie chart comparing male and female population overview. The chart shows a breakdown of, 68% female and 32% male.

Participation by demographic

Secure Insights helps you better understand not only the total percentage of employees participating but also the demographics of the group, including age, sex, marital status and if they have dependent children or not.

A quick demographic analysis can help align needs and insurance coverages best suited to employee populations.

View accident insurance sample page

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Participation for age range

A bar chart compares participation by age range.. Under 30 is 26.9%. 30-39 is 37.1%. 40-49 is 39%. 50-59 is 40.7%. 60-69 is 38.8%.

Participation by:

Sex

Participation based on sex 37.4% of females and 40.6% males are enrolled. Female Male 0.0 % 0.0 %

Marrital status

Participation of married employees. 41.7 percent of participants, are married. 0.0 %

Employees with dependent children

Participation of employees with dependent children 43.7 percent of enrolled participants, have dependent children. 0.0 %

Non-participant data

Secure Insights can also help you better understand who is not participating in employer plans.

This shows the demographics of non-participants, specifically marital status and dependents that can have an impact on their need.

Based on what we know about participants, this helps illustrate who may have a need so we can better educate them about the benefits of supplemental health with targeted communication.

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Percent of employees not enrolled by gender

Percent of employees not enrolled by gender 65% of females are not enrolled. Whereas 35% males are not enrolled. Female Male 0.0 % 0.0 %

Percent of employees not enrolled by marital status

Percent of employees not enrolled by marital status 46% are participants are married. 0.0 %

Percent of employees not enrolled with dependent children

Percent of employees not enrolled with dependent children 34% of participants not enrolled, have dependent children. 0.0 %

Insurance gap demographics

Secure Insights groups employees with similar demographic characteristics into segments, creating a persona for each identified segment to help clients better understand the portions of their population with the largest gap.

This persona allows us to tailor product solutions, including plan maximums, that will better fit with the identified segments.

View a life insurance sample page

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Existing resources gap Chart showing the average gap, between the average existing resource of $347,000. Versus the average need of $710,000. Creating a gap of $363,000. Existing resources Average$347K Averageneed$710K Average gap $363K

Plan design benchmarking

Secure Insights also provides plan design benchmarking. Competitive benefits help employers attract and retain talent. That's why seeing how their insurance plan compares to their peers' and the market is meaningful. Benchmarking data gives them confidence in their purchasing decision and helps inform plan design changes.

DOFU 1-2025

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