Never heard of Mr. Ed?
The challenge is that with more and more agents getting out of the human market to sell insurance to horses, there is a large volume of agents competing for the business of the only (known) talking horse. Think turning 65 times a million.
I was having a conversation with the carrier that I write most of my equine customers with (Equitrust) and we agreed that most horses just want a policy that will keep them from getting sent to the glue factory.
I foresee a huge comeback for human life insurance, because many horses that I meet with are starting to consider the fact that they may outlive their owners, and would still need to be fed,groomed, trained, and stabled.