What new england state was the first to make auto insurance mandatory in 1927?

I would like to know how much difference it makes in interest rate (if any), if I pay real estate and my home insurance.

Someone I know has a whole life insurance policy with Metlife with a face value of $50,000. The annual payment is $290. How does Metlife earn money when they pay out much more than they get in?

I bought a used car a few months ago that had a near flawless finish. Over the past few months it’s been scratched several times by my nephew on his bike. We’ve talked and now I need to file a claim with my insurance. The marks are everywhere, back of the trunk, right rear quarter panel, hood, left rear quarter panel.
The problem is, before I knew I could claim damages, I used a touch up kit to cover the scratches and gouges so they are hard to see. But I could still take pictures of them as they stand now and probably get a letter from the salesman, proclaiming the condition that he told it to me in. What else do I need to file a claim with Auto Owners? Yes, I have full coverage, including comprehensive.

What’s the average for starting license auto insurance agents? Do they only make commision or hourly too? Are the leads provided. Is it a hard industry to get into?

I have a few questions here and thanks in advance.
Can anyone please explain how do life insurance agencies (or financial advisory agencies) make their profit?
Is that true that the life insurance companies are paying around 100% of total first year premium to the agents? How do the agencies split that with the agents?
I would appreciate if you can throw in some numbers, since i am looking to invest some angel capital into an agency, so you would help if you give numbers.