It is false that the insurer gets guidance during and after the insurance period, nobody listen him at the time of any difficulty. Agents not available, they take their own plea, after ending of the period or at the time of any mishappening generaly the person is not helped. Day to day news coming in the news paers clearly show this. If one is self cautios he can manage all the things otherwise the customer remain weeping roaming pillar to post. Ther is much to be done in the field of insurance, the companies are not matured in India, they just run for profit not for the benefit of insured.
1. Online Insurance is always cheaper (for people who can be on Net) - by atleast 10% and in some cases upto 25%. 2. While buying Insurance thru an agent, one generally gets taken for a ride. The agents are only interested in selling policies that are high yielding for them and not for the insurer. 3. Most of the times, the insurance agent - gives wrong information in terms of promises, which neither he or the insurance companies keep. This does not happen - with online where people can research on pay out ration etc - which is more authentic than the one presented by the agent.
