In a new report titled Opportunities in Reaching the Middle Market with Life Insurance: New Pathways to Growth, Conning estimates the middle- market life insurance protection gap to be $10.2 trillion - a 56% increase when compared to the firm's last study of the middle market in 2006. The total protection gap across all income brackets has more than doubled.

With the simultaneous downturns in the equity, credit and housing markets, coupled with employee benefits being squeezed by the recession and rising health care costs, the middle market protection gap - already large - has grown.

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