Looking ahead, I know it will be difficult for my son to get life insurance when he most needs it - getting married, having kids, etc. So I wanted to try to get him a "whole" or "universal" policy so he'll always have something. My own agent, who has handled all of our insurance for over 10 years was on it - thought it was a great idea ... and then I NEVER heard back. I sent him a couple of emails, then gave up. I've contacted a couple of agents online, but would really like a recommendation of someone who handles this sort of thing. Jonathan is 17, so I know it's not going to be really cheap - but a good investment nonetheless. Thanks for any insight into this very real issue.