Old school, tried and true trade secrets aren't cutting it anymore as a new generation of HR managers and their employees enter the workforce. The fact is millennials won't respond to yesterday's life insurance sales techniques. A savvy generation — always online with technology at their fingertips — demands a savvy broker.

The upside: this generational shift provides you brokers with an opportunity to easily upgrade your pitch and hopefully drive more sales. Here are three ways to leverage relationship building and high-tech selling skills to offer useful solutions to clients.

1. Don't lose out on win-win opportunities

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