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How did the workplace benefits market perform in the third quarter? Join us as we break down the latest sales results across key product lines, highlight notable shifts in performance, and put the year-to-date results into perspective. We’ll close with a brief update on LIMRA research.
Associate Research Director, Dental Insurance, LIMRA and LOMA
Yuliya Esipov joined LIMRA and LOMA in 2004. As Associate Research Director, her responsibilities include managing the U.S. workplace benefits dental and vision studies as well as employer and employee-focused benchmarking studies.
Esipov received her diploma in history from Moscow State University (Lomonosov’s) in Russia. She has a master’s degree in history from Bowling Green State University and a master’s degree in survey research from the University of Connecticut.
Senior Research Analyst, Supplemental Health Insurance, LIMRA and LOMA
Research Analyst, Diability Insurance, LIMRA and LOMA
Elio Nallbani is a researcher on the Workplace Benefits Team. Elio is responsible for the Workplace Disability Insurance Sales and Inforce Reports. Elio joined LIMRA in 2020. He received his bachelor’s degree from the University of Connecticut.
Associate Research Director, Life Insurance, LIMRA and LOMA
Neyer’s area of expertise is monitoring and communicating trends in workplace insurance distribution. He manages benchmarking and carrier practice studies, as well as research projects focusing on employers, employees, and brokers/advisors. Neyer is a frequent author and presenter for industry publications and events, where he shares research-based insights. He manages LIMRA’s Account Management and Workplace Benefits Competitive Intelligence Study Groups and has served on committees for both the Voluntary Employee Benefit Board and the Voluntary Benefits Forum. He joined LIMRA in 1998 and received his bachelor’s degree and M.B.A. from the University of Connecticut.
Corporate Vice President, Head of Workplace Benefits Research, LIMRA and LOMA
With more than 25 years of strategic, creative, and actionable custom market research, both domestic and global, Rafferty joined LIMRA and LOMA in August 2025. In her role as workplace benefits research director, she develops the strategic vision and direction of the program and leads the team that implements it. Before joining LIMRA, Rafferty held research positions at Transamerica, Prudential, and most recently, Morgan Stanley. Rafferty has a Bachelor of Science in Marketing from St. John’s University in Jamaica, Queens.