I am neither an insurance agent nor a consultant though people approach me to consult whenever they wanted to invest safely in financial products.
Once, my sincere advice benefited a distant relative of mine who was not actually doing well. Since then the word spread and I too developed a liking for financial product analysis. That is how I got interested in the life insurance schemes offered by all the major insurance companies.
I got the hang of hidden (not so obvious) charges and insurance agent-friendly points by looking at the difference in premium quotes from insurance service providers. Any change would make me study closely.
Email me if you ever need a friendly advice on life insurance schemes.