problem is many people are uninformed and agents go around promoting such crappy policies like there's no tomorrow. These agents are thinking of the HUGE PREMIUMS thus the HUGE COMMISSIONS.  Majority of these agents are UNQUALIFIED and have NO PROPER FINANCIAL TRAINING OR BACKGROUND.

to be an insurance agent, all you need is 18 years old and SPM. the PCE exam to be an agent is about rubbish, even standard 6 students can do it. Now imagine an 19 years old kid with no experience and no financial training selling to you a plan for your financial future. That's absolute rubbish. (Evdenice by the posting of dreamerkid1986, I assume he's 25)
These agents know nothing about the economy, inflation, unemployment, interest rates and even simple stuff like unit trust. And these are the agents who commits the worst sins as they put others people's life in deep shit, like selling education plans and retirement plans where by the time the money is needed, the returns are  peanuts compared to the premiums paid and compared to money in the bank.

sorry....what is 'CS'?