Experts at Conning Research & Consulting say life insurers have been missing a golden opportunity in the middle market over the last five years. The protection gap for this segment is now estimated at $10.2 trillion.

“The financial crisis and recession had far-reaching effects on income, asset values, and debt levels, all of which combined to drive the increased size of this missed opportunity,” says Terence Martin, director at Conning Research & Consulting. “In addition, the rising cost of health care, especially in the middle market, may be an emerging, largely unrecognized need for life insurance planning. The question now is whether insurers can harness available new technologies to actually meet this burgeoning need.”

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