AVON, Conn.--(BUSINESS WIRE)--Predictions for future sales for the voluntary market can be impacted by many factors including unmet demand, market interest, employee willingness to buy, employer willingness to offer and the movement from employer-funded to employee-funded benefits. Consider these facts: There are roughly 114 million employees in the U.S. and of these, only 43 million currently own just one voluntary product. If every employee owned voluntary, the inforce premium for the market