Should I buy a whole life plan 25 years term from an agent around your age or an agent whose age is 20 years more than yours?

You should consider getting your insurance policies from a trustworthy agent. In detail, I have highlighted some key criteria here (Step 3): Orphan Clients Insurance: What You Should Do

Unfortuantely none of these criteria is restricted by age and here is a reason why: an older agent may retire and not take care of your needs anymore. In like manner, a young agent may realise that this career is not right and leaves the industry. Or, a misfortune happens and both agents passed away. In case you feel that I am joking, I can assure you that it is not. This is because I have been in this industry for almost a decade now and I have seen too many of such cases.

Therefore, the most reasonable way to do this is to work with someone whom shares mutual respect and trust. At the end of the day, no partnership is forever. Of course, it is a bonus if you manage to find a trusted agent that has done proper succession planning. This will ensure your long-term welfare.

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One way to go about it is to make sure the transfer of agent in the future is responsibly done. His dad's agent has been around for awhile so he probably would stay for as long as he could. The downside is that the agent would proably retire before a claim would be made.

The downside of having a younger agent on the other hand is that they may leave the industry midway. The upside of having an agent similar to your age would be that he or she more likely understands your needs since both are in similar life stages.

At the end of the day, its all about who you are comfortable with. ​​​