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A good life insurance question.

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Are there any life insurance agents that want to answer these questions?

QUESTION 1: "Does one's beneficiary collect BOTH the cash value AND the death benefit if one purchases whole life insurance or Universal Life insurance?

If not, what is the point in paying all that extra money to the term life insurance company in premiums if the company gets to keep your cash value portion?"

QUESTION 2: "In the unlikely event a term life insurance company goes out of business, are my premiums insured. ie... would I be out all my payments that I made over the last 20 years. Would my term life insurance policy still be enforceable, by law, even though the company went bankrupt or out of business?"

I am going to call around tomorrow and get some answers for these questions.

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