Insurance Agents
Some thoughts I want to share about insurance agents.
If there is one breed of people I absolutely detest, it is insurance agents. The reason for this is fairly simple. They are the only people who plague me constantly. Each time I see a banking or financial institution stall on the roadside or at a mall, I tend to avoid. For nine times out of ten, the people peddling their wares there are … you guessed it! Insurance agents.
There was a time when I thought that insurance was god’s gift to mankind. Of course I could have been biased by my then circumstance. Being fresh out of college and with the baggage of student loans to boot, I could afford little more than a second hand car as my first car. So, I paid what the owner asked for it and drove away. Fortunately for me, the car came with insurance premiums fully paid up. Less than a month later, I was involved in a major accident (which of course wasn’t my fault!) and the repair shop declared that it would be better to scrap the car and claim the insurance money rather than attempt to repair it. With a heavy heart, I followed their advice. It was the best thing I ever did. For the insurance payout was even higher than the amount I shelled out for the car in the first place!
At that point in life, I loved nobody more than the insurance agents who handled my case. If I didn’t have the student loans to content with, I would have taken them out for a royal treat then and there. But thanks to those kind hearted souls, I not only bought myself a bigger and more recent model second hand car, I also had a little bit of money left to subsidize my loan payments! But that initial impression of insurance agents was not destined to remain the same.
Ever since, insurance agents have done little more than trouble me for various schemes that I am not interested in and which are not even that useful to me. Else, they are always trying to access my group provident fund in order to invest in mutual funds of some sort or the other. Even more irritating are the insurance agents who actually try and confound me with terms like term life, endowment and the like, making my life seem like a tradable commodity with an expiry date. The last straw was an insurance agent, who in a bid to beef up his own commission payout actually tried to sell me a plan that had been declared as unsuitable just a while ago!
I am sure many of you share these feelings about insurance agents.
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