When a life insurance agent tries to coax you into buying a particular life insurance scheme and in the same pitch offers to give back to you a certain percentage of his commission, you should run away as fast as possible. Double your speed if the particular policy in question remotely resembles a Unit Linked Insurance Policy (ULIP).

Commission kickbacks are illegal. You might make a few thousand rupees in the very short-term, but if you choose a policy solely for such kickbacks, you might as well kiss goodbye to several hundred thousands of your hard earned money over the long-term.

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