Tag Archives: mutual funds

Insurance Agent - Don't Be Fooled by Term Insurance Agents | IndianMoney.com

**Insurance Agent – Don't Be Fooled by Term Insurance Agents | IndianMoney.com**



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Don’t Be Fooled by Term Insurance Agents

Insurance agents work under tremendous pressure and try to push insurance products especially life insurance plans, as much as possible. The practice of fooling potential customers is not new in the insurance sector. Agents lie and use half-truths. You could be fooled by life insurance agents who work for a commission. If you do not want to fall prey to cunning insurance agents, you must understand the common tricks used by them.

This is the best term insurance product for you, says the life insurance agent.

This is a commonly used trick. They greet you and repeat this line. Ideally, they should first listen to your financial goals and needs and offer the term plan, accordingly.

Sometimes, agents recommend a life insurance plan which gives them a higher commission. To avoid being fooled, understand what needs to be considered when purchasing term insurance. Consider your current age, annual income, liabilities, other income sources, family size and dependents before availing term insurance. You can also make use of the IndianMoney HLV calculator to determine the sum assured required for your family.

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About :

IndianMoney.com is India’s largest Financial Education Company founded by C S Sudheer on September 18th, 2008. IndianMoney.com provides FREE and Unbiased Financial Guidance on all kinds of financial products to ensure that the people are not cheated by agents and salespeople while purchasing Insurance, Loans, Mutual Funds, Stocks and Property. IndianMoney.com was featured by Central for Financial Inclusion as one of the most innovative FinTech companies driving financial capability in India. IndianMoney.com is educating over 20,000 people on phone daily. IndianMoney.com’s Financial Literacy Initiatives are recognized by World Bank, Reserve Bank of India, Government of India and various other bodies.
IndianMoney.com has set up a dedicated financial education helpline for Karnataka State Police. Mr C S Sudheer Authored a book ‘” Love Beyond Death ” to promote Term Life Insurance in India. Love Beyond Death became a best-seller in the first month of its launch.

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Disclaimer: IndianMoney.com(Suvision Holdings Pvt Ltd) and the speaker in the video is not responsible for the outcome of the above mentioned suggestions in the video. The above video is only for educational purpose. Please consult experts before taking any decisions.
hi everybody welcome back to Indian I come this is Cynara buying a term insurance is very important but if you're going through an agent there are n number of chances to get fooled so watch my video till the end to understand the tricks what they use and how you can escape yourself from the situation so the first one when they are selling a policy to you or when they're explaining it to you the morto of them is to get good Commission the policy will not be meeting your requirement maybe some of yours will be met but the old aim of them will be to get good Commission here you have to play it smart consider a few factors before selecting a term insurance the first one is your age your current income your other sources of income your liabilities dependents your family size and much more I would say get inside the depth of it understand how it really works and then select the term insurance policy which actually suits your requirement don't get blown away with the words which is spoken by the agents and the next point it's taking a term insurance online is actually not a good idea it's said by the agent always but trust me that is the easiest way you can buy it and of course it's cheap because the premium what you pay is low and the sum assured what you get is high and of course since it is an online platform you can compare any number of policies available and pick the right one which suits your requirement wrong details this is not done knowingly but it might happen unknowingly because when an agent comes we expect the agent to fill in the form for us right from A to Z and we don't cross check it we believe that they would have done it in the right way but unknowingly if they do a mistake there might be a spelling mistake or anything even a minor mistake problems will arise when your nominees go and claim the death benefit from a term insurance so in order to make sure that the details are filled in right you can go and take it online because you don't have an option you have to fill it or maybe you can recheck it once again when the agent has done it our next point is you can't expect them to give you the full details for instance I would say term insurance you can actually take riders also along with them it I can add on maybe a accidental rider disability rider which will give you an extra summer should at the time of accidents or maybe a physical disability permanent one so there are different types of things which are available in the market but here as I mentioned earlier when the agent is speaking to you the main motive is getting good commission so if this does not give a good Commission to them they won't cover it so you are actually taking a term insurance without even knowing the whole detail about this which is actually waste because you are investing in something you are depending on something make sure you completely understand it and don't expect that an agent will be giving you a full detail about it make sure you go and check on the same and the last point which I would say is it is a very competitive world everyone is fighting to sell their product to put themselves ahead of others so here everyone will be fighting they'll be coming to you they'll be giving you all colorful informations and you'd be like oh is it like this oh this is even better or that is even more better but then one thing you should always remember is a tail of it is a tail of it make sure you take a term insurance which fits your requirement if I buy a dress of your size it's not going to suit me if you buy a dress of my size it's not going to suit you I have to go with my body you have to go with your body that applies here in term insurance as well consider the factors which I told you check on Tom insurance if you want to know more or still you're not convinced queries are there just give us a missed call 0 W six one eight one six triple one Armani doctors will be giving your call back let them know about your queries it need not be limited to the term insurance but anything regarding finance is fine and they'll assist you with the same so this is San Aram signing off from this video I'll catch you in the next video soon until then you guys take care and bye bye

IMG FINANCIAL COACHING Webinar by CoachMalvin

**IMG FINANCIAL COACHING Webinar by CoachMalvin**



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okay good morning good afternoon good evening everyone so it is Castaneda naomi ito that's a little bit on booth if on the highness phonetic book so the book title is the secret to saving him building your freaking poop how to be become your own financial educator so welcome to IMD financial literacy same in a Norway banana so today is April 23 2018 so kaya so first of all this is coach maehlman you know one of the executive vice chairman quasi emptier International Marketing Group was a certified financial indicator of art and mystical of financial innovation so the picnic staff certified financial indicator and one of the coach a trainer Poonam we are empty moving through release makers family was a member of truly rich Club he brother Busan is this quality busy I say stock market in you were posing in there for 12 years together with my wife yes on the factory technician in fostering trip in your and my passion ignition place need to be people thousands of people have to save in base safely and correctly alright so this only a one-hour presentation with this information so some of the highlights of this book it is a spoon at in people sake you know one record with the financial literacy webinar okay so what suppose we have a goal the youth III am being thorough at least 1 million families families by year 2020 700 yen for you having global financial literacy campaigns this moment and ing must be nicer safe p2i you are you recorded finish and literacy webinar okay so introduction of the speakers IJ I am green improve 2010 so the clothes for you having company they become tougher company in the Philippines for me service for a mystery today so we have been the precipitation so temporary 2010 cassava so after the precipitation will be permanently Bruni brother Mozart ehh secret of the through rates and libro and ina can be the kupuna and selamat a policy brother was a book and the place of page 126 in a pond out brother boys a man beneath my education int 1 of the adversity poem of Toronto financial literacy and being behind moon arming in the feces opening spiritual community setting a gap in empathy it's FBI seized for you peace Spain and one of the transformation camp on the minim members is because of the power is so numbered Kamini compromise offenders become precious page alright so before we start to having a baby not training for tonight today so similar moon and having with the prior didn't the Father the Son the Holy Spirit amen today I ask you to place me so I will become a blessing Lord like to meet myself in ways others but because I cannot even I'm gonna have I commit myself to become rich I commit myself to serve you and to serve the poor with my wealth today I open myself universe use me a subchannel of club give me the ability to rate well that will bless the world increase the financial wisdom and it's Padme territories I place my life in your hands in Jesus name Amen the Father the Son Holy Spirit amen so once again good morning good afternoon and good evening pozzolana another ok connect the happy precipitation IMD financial literacy webinar a sort of moving expectation app in Baja Ohio in example precipitation or in sumo pain debacle kunis a behaviour oficina that's a family also may be again a pain we need financial education we think we know the basic financial concepts okay and then to synthetic healthcare and insurance grow way through investments I mean eight years ago we gained a baby Donna and then very important point in how they take action opposite you yoga OB NOS a little pro I don't mean of a writ of execution useless in occupy a so let's proceed zapping slacks number one is why do we need financial aid okay sure so basically to Cebu state reduction per page 11a Rosina some people deeds are when it comes to securing in shaping their future mainly good people pay mainly hard-working people fail many smart people fail many young people fail many old people fail mainly teachers fields especially math teachers phone oh come on I will put I my ambit an urban high schools por semana pictures vanilla vassilis open syllable field economy you take home page in engineers in dr. so even the professionals way because they delegate are you okay so continuation prevailing mindset about Mandy so many people believe that financial indication cinema say BC miss Missy is only a mile of something up to be to selling bro financial education is yeah I guess on you after this precipitation grab this book of enoch company to a miracle to liberal including myself a so another prevailing myself of man he made me think that no institution so financial challenge is to borrow my solution is be careful database because the base of a page through financial education all right so I am fond of some bonito Sarang 50% of marriages fail to financial because Ebola in Misawa so he shall go asparagus capita in app in an oven and it came easy speaker and a severe depressive teacher so young a and epic poems are necessary in the future so we believe the man and a thigh McGee senior citizen really tie into the problem is son by Papa loading from the ricotta NASA senior citizen attire so we propose a survey here in the Philippines in detail so majority the machine uses it to me or you can check for sending community know so with a lotta Filipino barroso develop zombie improve Amelia at my signature independent okay so with financial education so this financial you can see um banana genome aPOPO we can face this challenge so everyone this F will be financially interface is so our goal is to hear everything family disguise okay piranha here is a mission that will make you know Samina I so what are we you need to know Baba's cave episod or P financial concept number of boys X term number police building solid financial foundation number three issue about this formula oh you peek in yourself personally the 1027 rule and then finally number four is the power of compounding resolute sent me to aptly it between secret novelty people right so are you ready for key financial concept but it's off about once every number one X curve concept explain why his financial planning is very important so obviously yes I expert villag online some lineup of us – Madeline Omega POTUS is representing the mana diamond they regulate a man going down is the responsibility II so come back I will have my money pool hey Jeremy among young people responsibility no baby I own I like us OPP become a no one here in nine months so but the tempo per month is 10,000 pesos so this is some PP e so in responsibilities of Casilla so guna pending so gonna they didn't know say be sanity no you impaired enough and enough on people over but that means I own SEC tayo date of the day but if they live in a thousand big seed be achieved in a few when I shall target so C must mothership in while you're playing in earnest masses to earn money so cool shelter clothing indication here there's a lower event to benefit so obviously permanent poo Yaya how about the Inca equation we've done how about the income income in today permanent will buy a Ferrari championship with napping the piston Ferrari being a poem I give to Enbridge can be the ple please contain your baby peach so mm in Pune Surat the shared among the deeper circuit so when I go home for a no money working for me so people on Sunday you pay Rama so also be sure I'm peeling on this column we Association AHA okay so if we external us in Athena mandolin Oh been Athena specific detail I have American African in timonium Topeka there of the day my chip 90 get our gas assist Iike right so in life there are two possibilities so there are two possibilities generation it's a guitar so later a body she died to school and later be what if you need to tow a so it will program and have been affecting to have obtained in the future so today so will happen when ample extent 82 something about of the bark of meningitis are things are possible right yes about shaft except for age 60 HP so 60 to 80 years old seven previous for unity pressure so to survive for base three times four main but it appears for me some field so you need when I am very happy faces so right so right pursue I believe I'm a Filipino the former Army invert is a pair over on well of pants so one day celebration Salameh a company third person so in the subpoena chemita opera in the future people to Carmody savings per sale imagine a specially nothing lifestyle so Maranatha Maranatha through Andy Messiah you know especially the knife side all right yeah okay the skeevy IMD went to sleep over us alright next example navigate overriding guilty detour cell phone no context pressure yeah all right so this example is 20-page perked up three cups a day one policy see someone 21,000 sambar another of course I didn't pay until after I spoke with a major source of updates of the Spana dinner so say 52 divided make per person it was 18 years show your money towards every 18 years example for each 2900 now some faces indicate it was of 1% village' the Doble every 18 years it's for peace a man suffering cleaning escaping another formulation a % PP gala 8% interest rate so 72d by the mini for sign show you mind over slavery so say piranhas every nine years 165 a spare one 1.6 billion pesos a Hiromi penis if a phenomena by yama yama delusional you my a man a these people Allah Allah Allah guide so you tell fans or starting up everyone has the right to become very pink and happy v % d bar 72 divided by 12 equals 6 so your mind over say every six years safe safe and correct or extra clean I am done with you Pyramus and me on Yolanda and Anisha Aruna manga so the secret to say be completely so you see that my fans balance or bonds or homogeneity in theory and then we think American Paris of Madonna be really support oh I began is some path of you find ways company lately punk is a little big business team are soldered up against the man promised good short-term needs to remain a simple you pair in a recession fair and you return money or vanish education of nothing really bugged oppose Obama sale incorrect eBay a little pants and sucks hey a trip we inform in a political may scanner for an akuna is come develop Filipino so it opposed amitabh a repeatability know it's coming so be careful power napkin my beliefs and debride impaired and happen mozilla goes over your money every three months every six months available I'm happy women are my beliefs some food of little pyramid is disposal now our so you pull back a copy to a rule of 72 km from secret among our wealthy people at a per annum veña veña alright so more often than that people put their money in less than 1% in borrow my recorder will per say it is that among them in person is afraid it confirm man 3.5% somewhere ok susceptible 42% Socata rather than investments my goal is to it this correctly in this covalent Amma a so see the food eat on Busan on 3.5 million device allowing Cena Zambian in this store Shinobu 7 3.5 million diesel Saguna babies aluminum 3.8 billion couple you burn a DVD that start with the mind see again but most importantly ADA to start tomorrow Monday and that aluminium 30 years if you don't blame pull you open you 67 faces a day can you say 67 face a day yes 50 is out there made up on my cheapening first meal good one how about 100 the day he saved 100 the day when under the day is become millions similar and money we discipline think long term financial okay so if the poem is a monitor-kun so yesterday I believe I am assured okay well then the example may be to manipulation generated by their I remember no mm in Unum to me I wouldn't really be sure this participation among this is a time period because I'd say that in 2013 when I am getting pace number per share of eternity a pass forward I am no move abroad it will be a few months ago I did 2083 pair session per share you are so another document I will be so submitting this kind of 120 30 now 100 m2 per share peravaram 200k Braddock where 200 maybe 300 especially at a class map so you're going to sum up in again basically meter per his photography SN API this side up it'll be the silliman our shareholders second Ilana it I am looking very tired okay so let's summarize hunting presentations I hope when I make in a to Pune number one voice they occur number two is solid financial foundation on fish on a sail and above us really trending strong in demand this formula n 2070 and then the secret of the wealthy people rule of 72 right so you play impunity know some way not in a secure at the poor amplifies financially alright so now that we know the possible in base T N word to get the money in the base the next act is ask yourself whatever you need and obeying these to map it but I am again a shinobi purpose maja suppose I am okay but on the Pokemon company cocaine is nearly upon us our eight years warning big way in our think so important because NBC number two – education four-year schools so you need American Dream House Ricardo dream vacation so you feel if we having big why employee Mocambo the bitch if I may need based financial coach hey okay so become a no idea para not imagine tomorrow fine I shall go start a number one he's my little altercation rights are you ready waiter provide retirement money I'm about to swim from the grip LPO in a beam agree retire then 20 30 years from now it will give me nothing remaining Michigan on three million really useful now a 100 paces a day so instead of the day invest reinforce some of the major and the partners ing up by nine sharks we had six you know personally some Dominican vision we have seven exclusive beetle so one of my favorite mutual include initiative equity we multiple mm in Mertz 14 pages per share oh one for boys I think 13 in peso for the position I'm gonna miss a market in guaranteed market not as a fan he tried to end up in Saudi before less than 1 paisa fresh air this is someone recommended me to a crime ok ok you my mg member laorfamily memory saying he made a pencil which elephant really exclusive suppose I am merely Thruway Bernardo okay oxygen well Thousand Faces Mago phenomenon have some phases some heat okay number two financial goals healthcare especially the long term pain hey so what do we need a long-term help here number one medical crosses over to see from the cassava attuma task maybe see a check up come on hospitalization and the power I think but the aggregate leaves us an opportunity another sick people died not because there is no may be seen but because us no money so we are no no hospital no more in dr. Maha a majority Pilipinas no save money from future helper deeds so mama here because I own my duta-de tayo is acting in iron and proclaim when we kind of build up nothing loath I see no mana maybe he's not a vampire in Africa hey you can anything we do the hair company peaceful by the by your company when your return upside for some Alabama no it will be lit example among HMO scale right so it it is best for you love them here while you're still young that's already know what system asked about the makita see your future see for you determine and then decide after this specifications for number one same frangipani no soma in base to see financially is to make Nasir nothing will happen in the Samantha case so normally I'm a bouncer economic safety I fell over there is well over the return dieter is tired the return signal sabana a busan a thin narrow bro look at the veto what if I could tell you show the pose I do marry some providers I operational safety about predation and grow so a conditional then in the theory which alpha the power 17 basically on a distinct tisha same shamash you return science will present us a perfect addition of a big merit of rotation of a relationship Bronx so to the new poem is not among is a thing the benefit is not so the man upon developing concept about the corporate financial instrument no financial solution an avid opportunity the same time is the right approach ethically you municipality many responsibilities my opinion Aramis something okay so America time solution generator pace are you know for Sonia Medina in mostly for people supporter we discussed maybe the financial solution Panama there is not important cornerstone and in the dime better all right so let's summarize oh I'm king of the tune and a beautiful-looking financially literate I am simple humming good alright so rapid panentheism in you mister but if you date to soon drill up your family first a solution attic unlikely to thanks instead what you feeling too long we love yourself first and I'm solution having and up a pair of my investment and long-term a and to build a monthly financial class simply builder solid finish concept number two most important thing it must not necessarily wanna get care increase your cash so help increase your cash flow of two ways number one you need to reduce your my expense is not there but in my space nineteen mobile on belay and then number two this increase your income I believe monopoly Miami stop about the intrapreneurial myself create a multiple source of income so you best of course eleven appear on health care especially in the kayo I'm particular and a panic interpretation that issue runs assurances is stuck 1910 see the money more discipline 3 / 6 months and expenses and Amidala deal go maritime provide medical providers int so then I put you for way your financial needs right near the pool it basements case and push until pale very pushy computation and they push up if it is asked to know about more about the ultimate until there a dimple your economy typically a all right so people by our expectation taking again I will be another corner so because after this participation healthcare semana then let me show us our insurance property insurance travel insurance Marin by health care about efficient care and dividend check up so members put I reward they are again put value well everything so more than our structure I am Lisa may appreciate platform so muscle I can retire all right my ass like me so you need to take action brahmana you will always have an excuse not to say bleep best no matter what – excuse one thing issue you will get altered next year double backbone of our class number two you're entirely growing in turn it up savings you will eventually return and stop making activity' in the pool types of income after inka and passive income it's gonna be the end of the day achieved anything about capacity so three main problem two is supply remember the IQ so they live too long prepared up the potato be with a group who inspires you importantly for you eNOS eNOS Omaha anyone so home community before is my spenders now these painters if they are paramount immunity Moloch int sabers people be shown in the future so girl in the family is enough okay so be financially the way they have on your financial financial needs Invicta right choices so even compose a hit on three stages of financial life some people selects Mendoza number one maybe none leadeth is a stage number one one after work he repeated Ampera gamma maintaining economic independence you see that's a stage vodka so after this sound about mobile compromise states one fish sticks to IND second you have a presentation or financial literacy webinar but on over the name popped up a questionnaire and then I'm through the mcdu nothing Western Nizam police takes time one number two number three so obviously Mirai Amidala ganas is stage one but because of ing the title stage number two arrows are having Mishima Ponte course a stage three hit the pot I hit the stage money work for you all right so people get started I'm almost done ding stencil on board a bus novel I'm so excited nobody birthday on an IMD hey peeps a get started number one unit decrease your cash flow make as much make as much money obtained by the pain and the multiple source of income number to spend less those expenses in month remember it's that's how much sugar that comes is how much you kill set aside 10% of your income to save face number three is zero of birthdays yep you can i lipet happen in makutano but this increasing this and like licks the trace your finances number four understand how money works read books but I only talk about money they say there's money six many tours or coach learn how to make money in how big how money can work for you okay and define your financial goals anonymously my team listen Apoorva sighing appoint a cranium and then say strategies on how to make your course work then finally improper action while you're still building your well if make sure you showed us the people you make the family peace okay so how I am he can help you simply follow these four steps number one I am do now in appreciate penny pitch with more than twenty membership benefits should become a paper int a number to put on the bottom step number two financial checkup sorry Paquito how financially admissible papaya is some of the sugars and put in a tub a'chicken doctor but me some it is a knee pain muscle Filipina then any piece you just again hop up on the table Emma give us an African a potato Samba Conoco boosts hakuna enemies appear cocaine a pepper shaker i D you know when I'm in a one-on-one when I shall take up but I'm having a panoramic Oh financially help energy yay number three start building a big financial strategy so lit by mention of the issue number four understand how money works attending workshops Omaha financial workshop ovum 800 sender salmon even a books make goods at minimum book or books in one should become a member simple tiny among financial workshop the seasoning to say begin building a reading libros gurupada that in Ipanema he began ever being liberal Malby again the secret to saving in building a future book become your own financial indicator financially intubation is that this portal is protective so the Kim Dacey ll push imagine in three days 10,000 camp is for and then in one month more than 40,000 is phone okay the muscle on omega-3 product is omega whether they brother domain pushing forward veto the brunette or possibly a brain this book shall take it really your financial life really people who need the financial revolution internet for one baby brother processes reported cohen-chang will say may have accidentally pro having 3 will be fair thing now but inclusion is some energy member nervous that is all so see the power he'll allow Marilyn got liberal in a long post go wrong but not ok stop I give up this book 119 entails it's a real homie promo they engage another problem we have a poor 400 Papa Carlo Monaco you mama millennium I begin do it Papa gotta give right Polly disability has been another financial we ever see okay again somebody brother no reading booth is growth in attendance a good thing but in your financial education financial execution execution alright so congratulations for Santa Monica indigent about the big deal at all Isana Makita I am one of these days I'm a couple you personally it could picture make a deeper sandy I mean I shall say that is a moose I'm a happy so congratulations for taking the first step to financial freedom doing IND now ok so you are now part of our 1 million financially indicated families by year two anything is on a bless and have a presentation you show him to be do some supplies begin your people some of our nation in combination with this alright so Mohammed on of the opening number email ampere I'm coach mal billion people have a Facebook page basically the uniform on it would be missing so my number video get started action on in financial checkup listeners are big Vanessa statement emailed upon this alright so again because congratulations was a laughter magneto financial literacy wave better not be no have a pop so again I encourage you to join I led take action secure your future and we have placing the pattern II so again bye bye Babu selamat shall have that vegetable in the papaya one of these days one of the finisher say there's food if you stop graduations Dubrow hahaha a thank you

Insurance Agent - Can i Take Advice from Insurance Agent ? | Money Doctor Show | EP : 244

**Insurance Agent – Can i Take Advice from Insurance Agent ? | Money Doctor Show | EP : 244**



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Hello Folks,

Welcome to IndianMoney.com YouTube Channel!

About :

IndianMoney.com is India’s largest Financial Education Company founded by C S Sudheer on September 18th, 2008. IndianMoney.com provides FREE and Unbiased Financial Guidance on all kinds of financial products to ensure that the people are not cheated by agents and salespeople while purchasing Insurance, Loans, Mutual Funds, Stocks and Property. IndianMoney.com was featured by Central for Financial Inclusion as one of the most innovative FinTech companies driving financial capability in India. IndianMoney.com is educating over 20,000 people on phone daily. IndianMoney.com’s Financial Literacy Initiatives are recognized by World Bank, Reserve Bank of India, Government of India and various other bodies.
IndianMoney.com has set up a dedicated financial education helpline for Karnataka State Police. Mr C S Sudheer Authored a book ‘” Love Beyond Death ” to promote Term Life Insurance in India. Love Beyond Death became a best-seller in the first month of its launch.

Keep your Financial Cognizance Up to date with Wealth Doctor App. Download Now:

Learn to SAVE, SPEND, INVEST and BORROW consciously by just subscribing to our IndianMoney.com channel

You can also Visit us at

Like us on Facebook

Follow us on Twitter

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Join our network on LinkedIn

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Thanks for Watching!

Be Wise, Get Rich!

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are you looking for a term insurance plan which financially protects your wife and children get one crow term insurance adjust peace 21 per day for more details log on to Indian money.com terms and conditions apply welcome to dr. Iams yesterday if it is not wrong to buy an insurance policy from an insurance agent it's always good to buy from an insurance agent if you know what to buy normally insurance agents are available locally there they'll be mostly available to you near your house they will come and help you they will come and support you in case if you need any help hints it is not wrong to buy insurance policy from an insurance agent but it is wrong to take advice from insurance agent while buying a policy so today I am going to give you five tips which will help you choose the best insurance from an insurance agent number one whenever you try to buy an insurance policy from an insurance agent please remember that he is just an enabler he is just a facilitator he is not an adviser hence you must go to an you know an expert advisor who's only providing advice before you avail the policy from the agent number two you please check the seriousness of the agent whether this agent is serious see there are two kinds of agents one a part-time agent who's doing something else maybe a housewife or maybe a real estate agent or someone who's into something else but he has taken up insurance agency as a part-time thing these guys may not be serious but if you look at the full-time agents they're professionals they will have you know complete understanding of the product they're selling they will know what they what you should buy and these guys can actually service you really well so in case if you're buying from an agent look for those full time agents who are professionals who can you know who can service you who can help you when you need their help and then check their competencies they're competent enough whether they're able to explain the product well many agents may come to your house with a with a white sheet and they may try explain everything or the wild sheet or they may come with some custom printed things which are not really true or may not be the facts they may not come with company printed brochures or they may not really have any kind of competency in case if you buy from them there are high possibility that you may get trapped number four you will have to you know ensure that you do enough research before you buy a plant from an agent because if you go by insurance agents world there are high possibilities that this guy may sell something which is more beneficial to him which offers higher Commission to him which means you will land in trouble later number five and the most important please don't ask for rebate from the agent if you ask for rebate from the agent there are high possibilities that the agent may sell a product which is not good for you the product which offers higher Commission to him may give you some kind of kickback some kind of you know rebate in the premium but then believe me that will not be good for you in the long run hence it is important that you buy the one which is good to you which means you will have to speak to Indian money.com before you go to an agent to buy the product in the meantime if you need any advice on any kind of financial products please leave a missed call on our helpline number zero double two six one eight one six triple one we will call you back and help you choose the right financial product be it clone beat insurance mutual funds whoever of that sort also you can check your credit score absolutely free on our website Indian mary.com thanks for watching be wise get rich