Why would an employer not allow or support voluntary benefits in their business. Having ran a small 30 employee business before making the decision to enter insurance, we had supplemental products from Colonial. I really don't understand why these products are such a hard sell. The cost to the employer is relatively nil, the admin part is a piece of cake and employees get portable coverage where they may not in the the group setting. I'm just a bit perplexed about what objections you guys usually run into. Thanks for any info!!