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I'll tell you from the point of view of a consumer that I have ONE insurance guy who shops for me period. Doesn't matter if it's life or health I'd still put two and two together, unless I signed up for many websites at the same time.Pangea...My concern with that idea is that they originally searched online for health insurance and found my website (6 months ago).
Now, I am bringing up a completely different product, so I really didn't expect to hear from them regarding the new product quote I am offering.
And Bob...I am always tempted to get rid of prospects after 6 months of no-contact, but I get a fair amount of interest at the 11 month and 17 month marks.
It may not be double opt-in, but I feel if you do it respectfully there shouldn't be an issue.
Why not just mention that they contacted you about health insurance and you happened to find this awesome term program then say "by the way? Did you sign up for life yet?"
I think it'll be fine and I consider myself to be someone what a spam policeman.