If you can hit the sales, you are easy.

no, im not
but i noe a fren start with cold market and his income is really

Really lost faith on insurance agent..
For my case, I switched my service agent bcoz the old 1 is 'resign' and so the same day i sign the transfer letter, my new agent propose me a better plan, I ask few times is that consider as upgrading and any change to my old policy but she just pusing me and didt really answer my question until I agree for the 'upgrading'

But after I got my new policy I only found out that actually it was a new policy and my old policy is still running by deducted my cash value (she cancelled my auto debit, so I didt realize at first) No wonder she told me after 1 year then I only can get back my cash for the surrender policy, to cover the new policy waiting period i guess.

In the same time, she asking me to join her agency. I actually have a very good impression on her for the 1st meet but now... I understand people are work for money.

Just sharing for me case.