unlike the insurance industry the insurance broking sector is a noncapital intensive one and hence there is no need to increase fdi to 100 per cent said a broker with broking firm that has a joint venture with a foreign partner he said that if higher foreign holding is allowed it would put domestic players in trouble hardly 20 per cent of the rs 70000crore general insurance business is routed through brokers in the country while in the usa it is around 80 per cent a prominent insurance broker said if you have funds repay this debt even before planning your shopping this diwali these are highcost bad loans that do not fetch any tax breaks you should look at prepaying them as soon as possible says alam on other hand dont be in a hurry to prepay home and education loans that provide tax breaks on interest paid and the principal amount says alam