scary insurance stories

Last Saturday I have asked ICICI prudential insurance agent for better plans and health cover. So, I have asked him to come down to my place to discuss further.

He is an associate financial manager. But he didn't know the simple math to explain the options. Only thing he could say is "This scheme covers for a long period and will give you better cover for you". For every question, he says " I will give you in written form (on a white paper) if some thing is not covered under the policy".

So finally I asked for two days to study the policy terms. Then he started telling one hypothetical scary story. He had issued one policy to one fellow some time back. The policy holder completed all the forms and only pending thing is the cheque collection. So, this insurance agent is about to collect the cheque on the next day. But the policy holder had got cardiac arrest.

Although this is a nonsense story but I could sense the aggressiveness of the insurance agent. His business unit might have targets but this kind of aggressiveness and creating some scary stories to meet his targets is totally nonsense.

The bad thing is I couldn't sleep well that night.