I too am heavily involved in Personal and Commercial lines but felt I was doing my clients a dis-service by not offering life insurance. I do have my license for L&H and used it for quite a while but became unhappy with all of the work involved in doing a life application. During a CE class on E&O it was discussed how potential "in-actions" could cause an E&O claim. The main subject was not offering your clients Life insurance.
After much review I decied to bring a person in to handle all of the life sales. I did not want to bring a person in full time so I found someone who is selling AFLAC and made an offer to them to sell Life and Health to my clients and if so needed offer the AFLAC products. This has worked out very well. My clients have a full offering of a product they need as well as adding on to their current health coverage with the AFLAC products. I set the commission structure up so my sales person makes out very well and she is happy doing this. In fact, she has sold more life policies in a matter of 3 months than I sold in the last 4 years. My clients have been happy and this is important.
I made sure to bring a person in who only wanted to work on my book part-time so she would be able to sell the AFLAC product. Unfortunetly she is still under the illusion she can make money with AFLAC. By doing this I have been able to have her work my book and not put a strain on her to produce. Also, she has brought in some commerical and personal lines clients who would like to have all of their products with one Agency.
If your clients have Life as well as P&C lines with your Agency they are something like 85% less likely to leave you. Many of my commercial clients have been very happy because we have been able to set them up with Key Man coverage which they did not have before.
I would suggest you hire someone who can handle the rejection received in working with Life and to be able to handle the verification process needed to show you have offered your clients Life and they rejected.
In regards to health insurance, this is always a tough one. Find someone like
http://www.benefitmall.com to partner up with to do your health insurance. They do so much of the work for you and it makes the process much easier. The best thing is they shop the carriers without you having to be appointed.