Understanding Life Insurance can be so complicated… but don’t worry I am here.  Let’s start with some terms. Agent An insurance company representative licensed by the state who solicits and negotiates contracts of insurance, and provides service to the policyholder for the insurer. An agent can be independent agent who represents at least two insurance companies or a direct writer who represents and sells policies for one company only.  I am an independent agent that represents many companies so I can help you find the RIGHT plan with the RIGHT company. Annuity A contract that provides a periodic income at regular intervals, usually for life.  There are several options for…