Seven months ago, a Great Eastern Life insurance planner tried to pull a fast one on me. I emailed her to ask about the insurance plans that could be coupled with a rider plan that I was interested in for L-A and she promptly replied with an email. The plans featured in her email were all very expensive and the impression given was that those were all that I could choose from. Unfortunately for her, I had already done my own research and I asked her about linking it to term insurance. She then send me another email where the prices were about a THIRD of what she had originally sent me!
She still had to give me a house visit because she was delivering a free insurance policy for L-A, but she already knew that she had lost my trust and her credit-worthiness as an insurance agent because she didn’t try too hard to sell me anything.
You should always remember that these planners are not doing their work for free and they may (read most of the time) recommend you some products to their own benefit rather than yours. The Minibonds scandal comes to mind…