face helps cool down that hostility because some of it gets deflected on to the previous individual rather than the organisation as i said earlier this sort of a thing is not inherent to insurance but merely a byproduct of the economics of financial product under some circumstances in the days of incessant nfos and high commissions mutual funds were also sold like this when in the middle of the last decade there was a liquidity glut in the economy loans even unsecured personal loans were sold like this even today real estate is sold like this in some markets continuous exposure to intense hype about financial products that eventually prove dodgy has a corrosive effect on all future interactions many customers have slowly come to a state of inherent distrust of financial products two decades after the liberalisation of the sector this is a sad place to have reached