Devoted to the Insurance industry and all thing related

You have to have an exceptionally unbiased insurance agent if you are going to get the real comparison of insurance products, especially when the commissions vary across products. The agent would potentially have to act without regard to the commission they receive in order to really match a product to a customer's situation.

Monique,

Yes that is the ideal situation I am speaking of in my post. I was an insurance agent and know the large differences between the commission on a term policy and VUL, UL, WL or EIUL. A term policy commission is generally going to be significantly smaller than the other permanent policies.

There will always be insurance agents that have become agents to make the big commissions regardless of what is suitable for the client and don't intend on staying in the industry that long. Then there are the agents that either have been in the industry for many years, intend on making a career out of the insurance industry or are not looking to make money off of clients over keeping the product suitable.

Aside from greed one of the main reasons so many insurance agents sell unsuitable products to clients is because of the structure of the industry. Most agencies only pay commission or a few months of salary until the agent starts making more in commission. If the agent doesn't make enough in commission then they are let go of. There is a lot of pressure on most agents to sell a certain amount of policies in a month or they can't feed their family.

Not all companies are structured in that way but enough are to create a bad reputation for insurance agents. My overall point to consumers is that they do some of their own research, ask questions and demand answers. Don't walk into a meeting with an insurance agent knowing nothing about your options.

Thanks for your comment.

This leads me to a giggle, it's actually rather funny. The attorney is just that - an attorney - which doesn't qualify him/her as an insurance agent any more than it qualifies him/her to perform oral surgery. All this individual can do is provide legal advice. I would leave the breakdown of insurance benefits to a qualified expert in the field, no?
Jerry