Articles

Insurance and employee-benefits topics.

This section will publish substantive professional resources after each item is sourced, reviewed, and confirmed to reflect Jerome Krantz’s actual knowledge and contribution.

Employee benefits and group health

Planned resources will address benefit-package design, employer health-benefit cost drivers, recruitment and retention, small and midsize business planning, renewals, employee communication, and benefits administration.

  • Building a benefits package around workforce needs
  • Questions to bring to a group health renewal
  • Understanding the cost drivers worth reviewing
  • Communicating benefits more clearly to employees

Life insurance and business protection

Future articles will explain general life-insurance and business-protection concepts without recommending a product, amount, transaction, or outcome.

  • Family life-insurance needs
  • Term and permanent coverage concepts
  • Reviewing an older policy
  • Key-person and business-continuity questions

Long-term-care planning

Planned topics include the timing of a long-term-care conversation, questions to ask before considering coverage, and issues to review in an existing policy.

  • Care goals and family coordination
  • Traditional and other policy structures
  • Benefits, exclusions, underwriting, premiums, and claims questions

Fixed annuities

General fixed-annuity resources may address contract structure, insurer-backed guarantees, access to funds, charges, and questions to review before making a decision.

  • No variable-product or securities content
  • No investment-advisory, fiduciary, legal, or tax claim
  • Current contract documents and professional authorization control

Perspectives from a career beginning in 1978

Future interviews will explore changes Jerome has observed in health insurance, employee benefits, life insurance, technology, and service. Only his real, recorded, fact-checked words will be quoted.

Editorial standard

Every published resource will identify its sources, date time-sensitive information, preserve professional boundaries, and avoid guaranteed results or invented stories. No unpublished draft is presented as an article or independent reporting.