Major generational shifts are affecting today's workplace — and your top prospects. Learn what Millennials, Gen Xers and Boomers value. And how to best connect with them.

Millennials: “Did you know you can buy your own insurance policy to protect your income? It's a proactive step you can take to feel financially secure — and it's not tied to an employer.”

Gen Xers: “Would you be able to take time off if someone in your family were seriously ill? How would you handle the loss of income? One suggestion is to look for an income protection policy that can pay benefits when you need to be there for family.”

Boomers: “Are you changing careers or starting a business? Let’s talk about the coverage you need. If you become too sick or injured to work, monthly benefits could help you avoid dipping into your retirement assets. Business protection insurance could help you cover overhead or plan a successful exit strategy.”