Americans born between 1980 and 1992 are motivated savers, but LIMRA says more than half of them lack adequate life insurance, writes Nic West of Trusted Quote. Agents who hope to sell to this market must be prepared to answer the question "what's in it for me?" by explaining the value of life insurance to retirement planning, its affordability to younger and healthier customers, and the need to create a diversified portfolio early in life, West writes.

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