Sure will magorkhe1, i just sold an accidental death whole life insurance to a 33 year old african american who is an engineer where is premium every month is $23 last week and Guaranteed Whole life to older couple whose premium is little over $94 and to 36 year old single mom a home certainty with $55 premium. This is so far what i have sold and its been only 4 weeks for me in this business as a part part time. I have 2 more appointments, 1 on friday and other one on monday. you probably didnt want these details but i thought why not share them all when i can. and no i am not with PFA. For friday, he wants to go with IUL. and for monday she is an older lady with few health issues and her premium can be little higher coz' of health issues. I dont have any nepali clients yet but i am planning to sign in on IUL soon. And the reason i am holding it back is because i want to make sure I can afford it in a long run not because i dont believe in IUL. And Life insurance is definitely not an investment, it is for peace of mind. and IUL is a retirement vehicle just like 401k and IRA but a better one. (Disclaimer: This is for informational purpose only not a suggestion or an advertisement of any product)

Geology Tiger: I will take your suggestion and post more better products out there and what you want to look for if you want to get a life insurance.