Companies I have partnered with still pay me too similar to any org like Beshak. Advisors have a choice either to charge customers or get paid by companies. I'm fine to work either wise. But most prefer free advice in India so I get paid by companies. The difference I was referring to is that suggesting a health plan takes at least 2 days for me. I don't have pre defined templates. For some customers, I prefer 2nd top policy in my own list because he can save some premiums while getting similar benefits as 1st tóp policy. I suggest different policies for HNI based on their education levels. For some who prefer service, I may suggest them differently. For some families there may be genetic diseases like cancer so i will suggest only particular policies which I believe are going to honour claims. I have 2 clients in last 2 days with diabetes. For one of them i suggested something without any waiting period and for other customer i suggested something with 2 year waiting period because the customer is healthy, saves premium, and also gets a very high sum insured. I explain both options and it is up to the customer to decide. And I let go of a customer yesterday. I told her to come back to me next year during renewal because she has a surgery planned in 2 months and I let her with her current company as she has that policy for many years so claim rejection won't happen.
