The young ones

Self-employed people in their 40s with children and a mortgage are not the most difficult market to sell protection to. The problem is that they frequently already have it. But there is a fairly large untapped market out there, which may be completely uninsured. Young, single people may be financially soluble and yet may have given no thought to protecting their new found independence from disaster. This type of client is unlikely to be interested in spending a great deal on protection, so what are the main areas to focus on? The issue advisers need to address with their clients is ...