The way insurance is MIS-sold in India.. with more than 65% commission on first year premium, how agents take ignorant customers on ride.. No body seems to complain and care.. If some extra incentive is offerred to Mutual Fund Distributor that too not on investor's cost but AMC bearing the expense.. heavens seems to have fallen.. Why such double standard .. Writer seems to be an insurance agent who is disturbed by phenomenal success of Indian Stock Market and Mutual Fund Industry in particular..