In other countries like US, Japan,etc and Australia, like what my aunt told me, there is not much Insurance Agent actually.

Reason? Cos pretty much all the people there understands the basic protection an individual need to have --- Insurance. So basically, they just open door, and wait customer to go apply.

In Malaysia, it seems like insurance agent have to beg people to buy. LOL.

The difference of financial intelligent between countries.

Reading the posts here makes me wonder,

can anyone enlighten me with 10 reasons why one shouldn't buy an insurance or investment plan ( mutual fund, i mean )?

i'm curious.