An Interseting article, but very bias in nature I truly feel that the auhtor, has come across some truly unpleasent experiences with an Insurance Agent. First and foremost India as an economy has come a long way. A country once totally dependent on agriculture, is now a hotbed Investment destination for FII's. It takes time to develop, being an agent is a very noble profession and not all people misguide, the comisison recieved by the agent is his/her earnings which the Insurance company pays that means if a claim had to come in the first year, the client's nominees will get the entire claim amount, the agent will not benefit, and as far as Term Insurance is concerned, it still has to pick up, after all no one wants to loose money, that can also be seen by the amount of Savings Money is in capital markets by the retail investor is barely less than 8% although the returns are great. Hence every opinion made in Public should not be bias, because it will unnescessary cos harm to those who are directly or indirectly releated to it. At the end of the day one must realise that "Not all five fingers are the same". ashford@rediffmail.com
