Mis-selling and advice
How products are sold, how commissions work, and how to tell advice from a pitch.
Mis-selling and advice
How much commission do insurance agents earn? ₹1 lakh plan
Individual insurance agents were paid on average 27% of first-year premium across all life products in FY 2024-25, according to IRDAI data published in September 2026. Across all sellers that year…
Mis-selling and adviceSurrender a ULIP or keep paying? Year 3 vs year 5, tested
Surrendering a ULIP inside its five-year lock-in does not return your money: the fund value, less a discontinuance charge of at most ₹6,000, moves to a fund earning at least 4% a year and is paid…
Mis-selling and adviceEndowment policy vs term insurance: a 3.7% plan, tested
Term insurance plus investing the difference usually beats an endowment policy on both cover and the money at the end. Sunil was offered an endowment plan at ₹1,00,000 a year for 20 years showing ₹30…
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