Published by Author on February 17th, 2026

What happens when you build an enrollment solution specifically designed to not only engage employees, but to bring high-quality benefits to smaller, typically underserved groups?

For one, people take notice — Trustmark acquired Enroll For Life in November 2024. And together we’ve made a commitment to find out how this new approach could change the market. Our mission was simple: to bring the best-in-class life with long-term care benefits and enrollment experiences to the employees who need them most.

Just over a year later, we're not just keeping that promise. We're exceeding it. The participation rates, the enrollment growth, the lives changed — it all points to something we knew from day one: when you give smaller groups the tools and attention they deserve, remarkable things can happen. That included employees finally gaining access to life insurance and long-term care coverage they might not get before, and brokers seeing the kind of results that actually move the needle for their business.

So, let’s walk through what “remarkable” actually looked like in 2025.

2025 by the Numbers

When you're serving smaller groups, every percentage point matters. The Enroll For Life numbers below aren't
just vanity metrics — they're proof that when enrollment is done right, employees engage and brokers win.
  • 10% Average Participation: In the life with long-term care benefits space, getting 10% of employees enrolled is the baseline that proves your solution works. For smaller groups, especially, this consistent participation rate translates to sustainable cases that make sense for everyone — brokers, employers, and employees alike.
  • 60% Average Active Participation Rate: Here's where it gets interesting. By setting expectations of employees engaging in the process, an average of 60% become educated consumers and accept or decline coverage. And, when employees understand their options and see the value, they’re more likely to say yes; that the methodology, “the power of the regret of no” (enabling employees to opt/in, up, or out during enrollment), combined with education and accessibility, can drive meaningful results.
  • Thousands of previously underserved employees are now covered: This is the metric we're most proud of. Behind every number is a person who now has access to life insurance with long-term care coverage; benefits that simply weren't available or accessible to them before.
These numbers didn't happen by accident. They're the result of purpose-built technology, producer partnerships, and a relentless focus on making life with long-term care benefits accessible to a market that's been underserved for far too long.

Trust in the Process

One of the most important shifts we saw in 2025 was brokers’ willingness to embrace off-cycle enrollments to achieve the success they were building towards.

Convincing clients to move away from the traditional annual enrollment window for life with long-term care benefits and to adopt a more flexible approach is no simple task; it requires trust upfront. Typically, there is a lot of added noise during traditional open enrollment seasons. But when the pros of off-cycle enrollment are communicated effectively, clients begin to understand that results come when employees have more time to understand their benefit options, particularly less-familiar products like life with long-term care.

Let me show you what I mean.

In early 2025, one producer (who regularly works in the education sector) wanted to bring Trustmark Life + Care® to one of their clients, a Private School in the Midwest. It was their first time offering Trustmark Life + Care, so they made sure that the client understood the importance of following all of our communication best practices when using Enroll For Life (text & email communication, two webinars hosted, HR advocating for the need for long-term care, etc.).

The client ultimately trusted the producer’s thoroughness, embraced off-cycle, and the results followed:
  • 277 Eligible Employees
  • 75.81% Active Response Rate
  • $93,653 Premium Produced
This case shows that sometimes the best results come from challenging the way things have always been done. When producers can combine that with client trust and employees who are willing to engage, the results will follow. That’s the formula we're doubling down on in 2026.

What’s Coming in 2026?

While our success in 2025 is something to celebrate, the work doesn’t stop there. As an industry, we need to continue to drive best-in-class life with long-term care benefits and enrollment experiences to the employees who need it most. With that comes improvements that we are excited to make in 2026.

First, we're looking at tracking capabilities that'll give you and your clients real visibility into how employees are engaging; are they on mobile or desktop? Which videos are they actually watching? Where are they getting stuck? It's the kind of data that helps us fine-tune our approach so that you can show your clients exactly what's working and what isn’t.

We're also expanding beyond life with long-term care benefits to include enrollment capabilities for group products and employer-paid options. That means added flexibility to build packages that make sense for your clients, and more opportunities for you to grow your book of business.

Bottom line? It’s about building the tools to make serving smaller groups not just possible, but profitable.