Exorbitant Commissions

Please refer to R Balakrishnan’s views on “Insurance vs Mutual Funds” in MoneyLIFE of 9 October 2008. It makes interesting reading. However, some facts need clarity. For instance, he says that “the commission can be as high as 40% of the first year’s premium.” Are you referring to this rate of commission in general or particularly to unit linked insurance plans (ULIPs)? You need to be very...

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