15 Spots to Find Life Sales No One is Looking

If you’re behind on life sales this year — good.
That means you’re about to start paying attention in a way you haven’t before.

Most agents go chasing leads in the same tired places — new parents, homeowners, business owners, “anyone with a pulse.”
And they wonder why it feels like a grind.

But the truth is, there are layers of life insurance opportunity hiding in situations most agents walk right past.
Not because they don’t exist — but because you’ve been trained to look where everyone else looks.

Let’s fix that.

Here are unconventional but seriously fruitful places to uncover life insurance sales — with real ways to approach each one.

Ex-Employees of Your Commercial Clients

When one of your business clients has turnover — someone gets fired, laid off, or leaves — that’s a life sale waiting to happen.
They just lost their group life coverage, and their financial safety net might’ve gone with it.

How to approach it:
Have your business clients introduce you as part of their “offboarding benefits review.”

“Hey [Name], I work with your former employer on their benefits. I just want to make sure you’re aware your life coverage through the company ended — and help you keep protection in place affordably.”

It’s professional, empathetic, and timed perfectly — because that person is suddenly aware of their vulnerability.

Parents of Kids Who Just Got Their Driver’s License

You want to talk about a wake-up call?
The first time a kid drives alone, every parent realizes how fragile life is.

How to approach it:
When a client calls to add a teen driver, don’t just quote the car — quote the life.

“Most of my clients pick up a small life policy around this time — not because they expect anything bad to happen, but because life just got riskier and protecting income became way more important.”

It’s not morbid. It’s real. You’re helping them protect the family they just put behind the wheel.

Divorce Attorneys and Mediators

Divorce settlements often require life insurance — usually to secure alimony or child support. Most lawyers don’t want to deal with it and need someone reliable to send clients to.

How to approach it:
Build relationships with family law professionals and position yourself as the “smooth closer” who handles those policies quickly and cleanly.

“I specialize in helping your clients get the mandatory life coverage settled fast — so you don’t have to chase them or worry about the paperwork.”

Every attorney you meet could hand you 10+ deals a year.

Mortgage Protection Conversations… But With Landlords

Everyone does mortgage protection for homeowners.
Almost nobody does it for landlords.

Think about it — what happens to their tenants, mortgages, and cash flow if they die suddenly? Who manages the properties? Who pays the bills?

How to approach it:

“Hey [Name], you’ve got three rentals now — if something happened to you, would your spouse or kids be able to keep managing those? A simple life plan can keep the properties cash-flowing while the estate gets sorted.”

Landlords are often liquid but underinsured — gold mine territory.

Co-Signers on College Loans or Business Loans

Most co-signers have no idea that their signature can become a debt sentence if the borrower dies.

How to approach it:

“Hey [Name], I saw you co-signed for your daughter’s student loans — did you know those don’t go away if something happens to her? There’s a simple way to protect yourself financially from that risk.”

It’s a small policy, often easy to close, and you’re the hero who educated them.

Adult Children Caring for Aging Parents

This group is under constant emotional and financial stress — often paying for care out of pocket and worried about final expenses.

How to approach it:

“You’re doing an amazing job taking care of your parents — but if something happens to you, who steps in for them? Let’s make sure your role as caregiver doesn’t collapse with you.”

That’s a perspective shift no one expects — and it lands hard.

Pet Owners Who See Their Pets as Family

It sounds silly — but it’s one of the easiest emotional connections you’ll ever make. People spend thousands to protect and care for their pets… yet haven’t thought about who would take care of them if they die.

How to approach it:

“You’ve got three dogs and a cat — if something happened to you, who’s feeding them? Life insurance can cover care or even leave money to whoever takes them in.”

Pet lovers don’t hesitate to spend money on love. Meet them there.

Families With Stay-at-Home Parents

Here’s the part most agents miss — insure the non-working spouse.
The cost to replace their household labor (childcare, errands, organization, support) is often higher than their partner’s income.

How to approach it:

“If your spouse passed, you’d lose their paycheck. But if the stay-at-home parent passed, you’d have to hire three people to replace them. Let’s price that cost.”

It reframes the conversation completely.

Car Dealerships, Financial Planners, and Estate Attorneys’ “Leftovers”

Every dealership and financial planner runs into clients who say they’ll “get around to it.” Those leftovers are your treasure.

How to approach it:
Partner up and say:

“Send me every client who said no to your in-house life option. I’ll follow up gently with a softer approach.”

You’ll pick up the low-hanging fruit they never closed — and they’ll love you for saving them the hassle.

Parents Paying for Private School or Expensive Sports

If someone is spending $15K a year on travel hockey or private school tuition, they have disposable income and a financial commitment that depends on them staying alive.

How to approach it:

“If something happened to you tomorrow, could your kid keep playing? Could they stay in that school?”

It’s not manipulative. It’s practical. It’s helping parents ensure stability for what they’ve already invested heavily in.

People Adopting a Child

This one almost no one thinks about. When people adopt, there’s often a court requirement for financial security. Even when it’s not mandatory, it’s top-of-mind responsibility.

How to approach it:

“Congrats on your adoption! I’ve helped a few families set up affordable life coverage to secure guardianship and care in case something unexpected happens. Want me to show you how that works?”

It’s not a cold pitch — it’s a gesture of support at a deeply emotional milestone.

People Taking Care of Special Needs Dependents

Families with special needs children are often hyper-aware of “what happens after me?” — and yet few agents handle this conversation delicately enough to win their trust.

How to approach it:
Don’t pitch. Educate.

“Have you set up any funding or life insurance to make sure [Name] is taken care of long-term? There are ways to structure coverage that works with a trust or SSI benefits.”

If you become that agent who understands special needs planning, you’ll never run out of referrals.

People Buying or Selling a Business

Most agents see the buy/sell agreement as an attorney’s problem. But every one of those transactions requires life insurance for funding.

How to approach it:
Build relationships with CPAs, business brokers, and commercial lenders. Tell them:

“Whenever you’ve got a sale where two partners are transferring ownership, I can make sure the life funding is handled properly and fast.”

You’ll get in on deals others don’t even know are happening until it’s too late.

The Parents of Your Teen and Youth Sports Teams

If you or your kids are involved in sports, you’re surrounded by financially responsible, middle-to-upper-income families. These are perfect life prospects hiding behind bleachers and Facebook group chats.

How to approach it:
Host a simple “Family Financial Prep Night” for your team’s parents. Bring snacks, make it casual, and position it as:

“Let’s make sure everyone on our sidelines is as protected as our kids are on the field.”

Half the room will book appointments out of guilt and gratitude.

People Who Just Lost a Parent or Grandparent

Morbid? Maybe. But real.
Death wakes people up — and creates urgency for protection and planning.

How to approach it:
Wait a respectful few weeks, then reach out with sincerity:

“Hey [Name], I know you’ve been dealing with a lot lately. When things calm down, let’s talk about how to make sure your family never has to go through the financial mess that comes after losing someone.”

People who’ve just experienced loss get it.
They’re your most motivated buyers.

The Thread That Connects Them All

Notice something?
Every one of these situations shares two traits:

Emotionally charged moments.
Times when mortality, responsibility, or financial reality is front of mind — even if it’s not spoken out loud.

Low competition.
These are moments where no one else is having the conversation. No ads. No quote bots. No noise. Just you and a real human moment.

That’s your window. That’s your advantage.

How to Work These Opportunities Without Feeling Like a Vulture

This is important — because you can’t fake empathy in these situations.

The approach isn’t, “Hey, buy life insurance.”
It’s, “Hey, life just changed. Let’s make sure you and your family are good.”

You’re not selling fear. You’re offering relief.
And that’s a totally different tone.

Write down every one of these 15 categories, then go through your book, your local connections, your community, your Facebook friends, and your email list.
You’ll find dozens of people who already know, like, and trust you — and who are in one of these stages right now.

The Closing Mindset Shift

The agents who will finish 2025 strong aren’t the ones with the best leads.
They’re the ones who notice moments instead of markets.

Because life insurance isn’t just about products — it’s about timing.
When you show up at the right moment, in the right tone, you’ll close deals that other agents never even saw coming.

You don’t need to “get lucky” before year-end.
You need to start looking under the rocks no one else thinks to flip.