Don’t Get Burned: Why You Need a Professional Insurance Expert
Ankit Agrawal
Results-driven financial expert with 7+ years of experience, leading Right Financiers, a renowned insurance and investment firm since 2001. Partnering with India’s top financial providers, we deliver tailored investment, insurance and risk management solutions, empowering clients to achieve long-term objectives with maximum returns and security.
There’s an old Hindi saying, “Jiska kaam usi ko Saaje, aur kare to danda baaje”, meaning the job should be done by the person it rightly belongs to, or else there’s trouble. Nowhere is this truer than in the world of insurance. In India, insurance is still too often treated as a formality — a tax-saving tool, a favour to a friend, or a side product offered over the bank counter. But when life throws a curveball and the time comes to make a claim, that casual approach can come back to haunt you.
Getting insured should never be a compromise. It’s not just about signing up for a policy; it’s about safeguarding your family’s future, securing your income, and protecting your health or business from unforeseen crises. That’s why working with a dedicated insurance professional makes all the difference—not just at the time of purchase but throughout the entire policy lifecycle.
Why a Professional Makes All the Difference
When you approach a professional who lives and breathes insurance, you get more than just a plan — you get perspective. They help you navigate the insurance market, identify what suits your unique situation, and avoid falling for flashy advertisements or incomplete advice.
Unlike a part-time agent, a bank relationship manager, or a helpful friend who dabbles in insurance, a dedicated insurance professional:
- Analyzes your needs holistically and helps you select the right insurance company. Not all insurers are equal — some have better claim ratios, others have better post-sales service, and only a professional can guide you through that maze.
- Recommends the right product — be it term insurance, Mediclaim, critical illness, or investment-linked plans — not based on what’s easiest to sell but based on what you truly need.
- Ensures that the pricing and premium structure fits into your long-term financial plan, not just your short-term budget.
More importantly, professionals also ensure that your coverage is complete and rightfully aligned with your goals. They consider every variable—your age, dependents, income, liabilities, health history, and lifestyle—to structure a plan that won’t leave you exposed when making a claim.
Where Most Policies Go Wrong: The Fine Print
It’s not uncommon to hear heartbreaking stories of claim rejections, especially in the context of life and health insurance. And more often than not, the problem isn’t with the insurer — it’s with the way the policy was filled out.
Here’s where a professional shines again. They understand how crucial proper declaration is — whether it’s related to health conditions, occupation, habits, or income. While someone casually filling out the form may ignore or even skip important questions, a professional ensures that everything is documented transparently, accurately, and truthfully. This small but critical step can mean the difference between a claim being honoured or rejected.
Advisory That Doesn’t Vanish After the Sale
One of the greatest benefits of working with an insurance expert is ongoing access to advice. Unlike someone who sold you a policy and then disappeared into another industry or job role, professionals are committed to this field. You can count on them not just during the buying process but anytime you have a doubt, want to upgrade coverage, or need to understand new regulations or products.
Their clients are free to reach out anytime for guidance, clarity, or even emotional support during hospitalizations, death claims, or procedural confusions. Such consistent support cannot reasonably be expected from someone who treats insurance as a side hustle.
Servicing and Claims Support That Serves
The real test of an insurance policy is not when you buy it, but when you need to claim it. During such emotionally and financially challenging times, professional advisors stand beside you, helping with documentation, coordinating with insurance companies, and ensuring the process is smooth and just.
They do not simply hand over toll-free numbers and walk away. They take ownership. Whether it’s assisting in operational support, updating your nominee, porting your policy, or ensuring timely renewals, they are always a call away.
Here for the Long Haul
Perhaps one of the most underappreciated aspects of working with a full-time insurance expert is continuity. While part-time agents may leave the industry and bank RMs are routinely transferred, professionals stay. They build lasting relationships, understanding not just your financial profile but your family, goals, and priorities. Over time, they become as essential to your financial planning as your CA or doctor.
Conclusion: Don’t Let Obligation Cost You
Many people still buy insurance out of social obligation — a friend selling a policy, a relative asking for help, a bank executive pitching something alongside a loan. But obligation should never be the reason you buy protection for your life or health. That mistake could cost you far more than just money — it could cost peace of mind when you need it most.
So next time someone offers you a policy out of convenience, ask yourself:
Is this person going to be there when I need help at the hospital, or during a claim?
Or should you trust someone whose job — and passion — it is to protect lives and livelihoods?
As the saying goes, “Jiska kaam usi ko Saaje.”
When it comes to insurance, let the expert do the job.
Disclaimer
The content published on this blog is for informational purposes only. The opinions expressed here are solely those of the respective authors and do not necessarily reflect the views of Fintrac Advisors. No warranties are made regarding this information’s completeness, reliability, or accuracy. Any action taken based on the information presented in this blog is strictly at your own risk, and we will not be liable for any losses or damages resulting from its use. It is recommended that professional expertise be sought for such matters. External links on this blog may direct users to third-party sites beyond our control. We do not take responsibility for their nature, content, or availability.
