Forget that they're your parents or grandparents. If you're a millennial selling insurance, baby boomers are your best prospects.

They're older and well-established. Because 70% of the nation's disposable income is theirs, they spend more and have more assets than any other generation. They're the primary owners of high-value homes. They drive nicer cars. Over the next 20 years, they'll inherit $15 trillion. Baby boomers need more insurance than any other generation.

If you're not successfully selling to them, it's probably because of disconnects between our two generations. Millennials and baby boomers have different values and histories, so they think about life and process information differently. They communicate differently. Throughout the insurance transaction, baby boomers require different kinds of help than millennials do.