re: Difference between, Whole, Term, Variable and Universal Life Insu

its suprising that the agent woudn't discuss the differences with you. It's not possible to say which is "better" without knowing your situation. If you want the least expensive policy for the most coverage, term would be the way to go. If you want to have a permanent coverage which you could utilize to supplement your retirement with, whole life would be better. If you want more of a permanent term insurance, universal life would be the answer. And if you want to "buy term invest the rest" all in one policy, thats where variable universal would come into play. I would sit down with an agent who would discuss how all of them work, and help YOU determine which fits YOUR situation best.