I know a few agents here do a handsome amount of senior sales in the med supp,med adv. and final expense mkts. I also know a few that sell a few LTC's and annuities. MY question is simple: Since I sell primarily to people who are 65 and up long term care is almost to the point of being cost prohibitive and annuities such as equity indexed seem to be in anyone other than a senior's best interest, maybe a spia or something more short term might be a good fit; is anyone doing all of the above and if so how? Maybe by going to a younger target audience would be my answer. Any advice would be appreciated.