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My Statefarm rep is suggesting I transfer my 5 year term insurance (which is over at the end of July) to two different life insurances – a 20 year term insurance and a universal life insurance policy – does anyone else have both? I don’t see why I can’t just get the universal life insurance, since I’ll get money back from it later and you get nothing from the term life insurance.
I don’t necessarily want the universal life insurance because I may be able to get money back on it later – I just want what I’ll need in case something happens to my husband or myself while our children are under 18.
This may sound like a dumb question, how do I find an independent insurance agent?

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