A few tips on how to prosper in the life insurance business can never hurt. First, sell it. This sounds obvious, but a Deloitte survey found 33% of people did not have a policy because no one had tried to sell them one. Second, form partnerships. A survey by Saybrus found 42% of financial advisors would feel more comfortable recommending the products to their clients if they could work with a life insurance specialist. Third, “follow the distribution trends.” Jody Sevy, Transamerica employee benefits territory vice president, says demand for voluntary life and supplemental health coverage is on the rise because companies are reducing employer-provided benefits.