Interest rates are your enemy. Managers of Medicaid nursing home benefits programs who don't have to worry about financial sustainability (today) are your enemy. And, of course, consumer ignorance and denial are your enemies.
They have dried up or covered the easiest-to-find rivers of private LTCI leads.
1. PTA events.
Parents of young children have already been thinking about life insurance, and probably at least a little about disability insurance. Older parents may recognize that they already are aging out of the very best rate categories.
4. Kickstarter parties.