The traditional employer-anchored benefits model is being challenged by the rise of freelance, contract, and gig work. This session explores how insurers and platforms are designing portable, personalized benefit solutions for an increasingly independent workforce. From income protection and health coverage to retirement and wellness perks, we’ll examine how individual benefits are being embedded into digital ecosystems, available on-demand, and tailored to fragmented employment patterns. Learn how carriers, digital MGAs, and platforms are solving distribution, engagement, and affordability challenges — and what it takes to build a scalable benefits model for the future of work.