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 is a good thing to have in the event of something bad.
ya some times
Whole life insurance
Whole life insurance, or whole of life assurance (in the Commonwealth of Nations), sometimes called "straight life" or "ordinary life," is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. As a life insurance policy it represents a contract between the insured and insurer that as long as the contract terms are met, the insurer will pay the death benefit of the policy to the
station in the region. At the same time he started a small insurance agency, initially for the FAME insurance Company as a client and later another with the General Accident Fire & Life Assurance Corporation.
By 1959 he had enough business confidence and capital to sell the service station and make the transition from agent to insurance broker. 
Within two years of entering the insurance industry as an insurance agent Adam was able to rent office space in the Paragon chambers in Lambton Quay in Wellington, and establish himself as an insurance broker