Why Don't More People Sell Disability Insurance?

The FYC/renewals are high. Persistency is allegedly high. There is a need. The need doesn't exactly seem all that complicated to figure out. There isn't so much competition (though there's probably a reason for that). There are obvious prospects to target.

Four questions:

1. I read that the underwriting is a pain in the ass, but exactly how hard could that be if you do everything right and know the application/insurer/their requirements?
2. How do successful disability insurance salespeople prospect for disability? Home phone? B2B phone? DM? Door knocking? (Networking with a small gro
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