Regarding Sensex trading points.?

Todays is 25th Aug 2011. On 25th The BSE Sensex say:

prev close16,284.98
open 16,338.14
close 16,146.33
So, the difference between prev close and today opening point should be (16338.14-16284.98) = 53.16.
But everywhere I checked reports say Sensex rises by 87 points in opening trade.
Can anyone explain me this.
Thanks in adv.

Why insurance agent do not market term insurance?

I am working in an IT company & agent comes to our company for marketing ULIPs. By reading various articals on ULIPs, I now understand the charges & I wonder how these agents hide the charge story partially or completely. Some of my teammates blindly sign on the policy parers & get trapped in the ULIP trap.

I asked all agents for Term Insurance & most of them clearly refuse that they only sell ULIPs.I want to know that why Agents & insurance companies have a single point agenda of selling ULIPs & not market term insurance.