“Hello, does anyone have good Insurance Agent to recommend?
I have graduated for some years but yet to buy any because:
1. Most agent quit / change company within 10 years. Successful agents may be pushed by their companies to be their own director and set up own insurance MLM after some years. Then who answer my questions / help me claim 10 years down the road?
2. Many are 1% passion and 99% money motivated. So they go away after you sign on the dotted line / after 7 day free look period. Or recommend stupid things like investment link policy and endowment to grow wealth (?????). Some even propose policies that gives payout annually then use this to buy another separate policy so they can get more comms (technically u may “save” more by just choosing a policy that doesn’t give payout?)
3. I hate the 7 year trailing income system. Take 7 years of commission and I still hear of many shitty services. Propose high premiums / refuse to send Benefit Illustration / delayed claim processing / never fight for claims etc / stop picking up calls after signing / keep reschedule meet up etc
4. I don’t trust anyone in my circle who has become Insurance Agent cuz some aren’t the type to celebrate other people’s successes but they still pretend to post such images and write fake testimonials for each other. Cannot tahan their low key humble brag. And I know some fail Math + English in school so I don’t trust them to manage delicate things like Insurance with a lot of T&C.
Where do I find friendly, experienced agent for long term relationship and will propose policies based on my needs and not theirs?”