Make sure you ask the agent the commission they earn for each insurance type (it is illegal if the agent doesn't want to tell you. It is like you know the commission rate the real estate agent charges you).
For each life insurance, universal life insurance has the highest commission rate for the agent. That is why they keep on pushing you to buy universal insurance.
So, it is best to get an insurance broker to find the best deal for you based on your need.
I got a broker to get me the list of all the insurance companies and find the best deal I wanted.