ok, after chasing for the real Insurance policy benefitors , I found a clue. When we have some work to be done and we reach out a government employee or a distant relative or anyone, they help us out of the request. After that, they start with, "sir, my wife is a policy agent, why dont you buy an insurance policy". It is quite difficult to out right refuse the offer as we just got a free service through them. We will have to find an escape route like saying that we got policy previous month or so.
Anyway, I think these kind of social pressures are making the policy industry to thrive. And obviously the immediate benefitors are the agents.
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