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Unfortunately, there have been some cases of mis-selling of insurance products. Understand what you are buying and the nature of the product.
Talk to an advisor if you have questions regarding which product to invest in.
If you have been mis-sold a product, a good advisor can work with you to trace the communication trail and help you recover your money
Making a strong case to the company and the ombudsman can help settle the issue in your favour - a good advisor can be of immense help in this effort
Yes, a good advisor play a vital role in ones financial life. But my experience says when people come to you they have already lost valuable time and are frustrated lot.It is quite heartening to take a call in certain cases..
The powers that decide, the public, so called educated people and affluent customers think/feel that Bank is the right place to go for financial advice, they are professionals and and individual agent is not. They give unbiased advise and agents sell for commission. But the targets for employees, very poor knowledge, unwillingness to service and blind faith of the customers in the Banks plus tactics like selling something with home loan, other loans is the reason behind this.
