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I would say most times that is the case . The pressure to sell (also the Lucrative commissions) makes it a bit shady for sure .
Why do you think that?
This! Unfortunately a lot of consumers are sold a product that they really don’t need . This especially applies to Permanent Life (Whole/IUL/VUL). The Products themselves are complex and not really easy to understand, perhaps by design.
I think that is where having a more experienced agent comes in. I have never sold insurance. I have noticed that the insureds who actually walk into an agents office and speaks with them often know more and get coverages that they understand. Those agents tend to be more hands on and know their stuff Versus if it's someone who online purchased or a referral was sent to someone outside of the area. Those tend to not even know what they are paying for. Then I am the person telling them and well that can be bad all the way around. When ai have to call those agents they typically have no idea of who the person is etc.
Very comfortable
UL, WL,Term