Dog on a beach Pet insurance, one of the hottest voluntary products going right now, covers an animal in the event of injury or illness. (Photo: Getty)

Just three insurance products — health, life and dental — have an ownership rate of more than 50%. Although it’s only logical for brokers to focus their efforts in these areas, there also is a large and growing market for voluntary insurance.

Breeze, which markets a variety of insurance products, recently took the pulse of the voluntary market. Not surprisingly, it found that 82% of respondents own health insurance, followed by life (64%) and dental (53%). Although 84% of white respondents own health insurance, only 68% of black respondents do. Far more males than females are likely to own voluntary policies of all types.

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