Sold for a company that focused on DI, Acc, and CI. Sold a little bit of life here and there. Recently became independent and can do a lot more w/ life insurance now. Anyway, I definitely understand the difference between the 3 above but am having trouble knowing what's the best fit in different situations because I've heard so many different opinions on the topic. Some agents hate whole and only do term. Some only do whole and so on and so forth. So what's your opinion on the different types? Who would be the best prospect for each type and why?