my father was an insurance agent
An insurance broker are the guys who sell insurance for a kick-back, right?
may be. it was not mean that
I'm just guessing. How would you describe an insurance agent?
to make it simple.  explain the reality situation and be sure about saving money
Juvenile life insurance
Juvenile life insurance is permanent life insurance that insures the life of a child (generally under age 18). It is a financial planning tool that provides a tax advantaged savings vehicle with potential for a lifetime of benefits. Juvenile life insurance, or child life insurance, is usually purchased to protect a family against the sudden and unexpected costs of a funeral and burial with much lower face values. Should the juvenile survive to their college years it can then take on the form of a financial planning tool.
or injury resulting from an accident.
If you are unfamiliar with the laws regarding motor insurance in the country that you have relocated to you should talk to an insurance professional (either a real estate broker or agent) for more information.
Expatriate international health insurance.
If you are not covered under a group medical insurance program, an individual international medical policy could be purchased. These policies include worldwide medical protection and also can include evacuation services. Many of these plans have direct-pay with hospitals & global networks