### Online Comparison Portals vs Personal Advisors Buying insurance online with three clicks looks convenient—until a claim occurs 15 years later. Online aggregators operate high-turnover call centers. The tele-caller who sold you a policy will not be working there when your family needs help at the insurer's claims department.

A seasoned, dedicated insurance advisor is a **lifetime partner** who knows your family, your nominations, your policy anniversaries, and the complex documentary requirements of insurance offices.

The Moment of Truth: The Claim Settlement Insurance is the only product you buy hoping you never have to use it. When an untimely bereavement or medical crisis strikes: - Grieving families do not know how to fill Form 3783, Form 3801, or collect hospital treatment certificates. - Minor errors in death certificates or medical records cause claims to be repudiated or delayed for months. - An advisor with decades of local branch relationships steps in immediately, takes ownership of the paperwork, and ensures the cheque is handed over to the family without distress.

5 Questions to Ask Before Choosing an Advisor 1. *How many years have you been continuously active with the insurer?* (Look for at least 15-20+ years). 2. *How many death and medical claims have you personally settled?* 3. *Do you assist with address changes, NEFT registration, and nomination updates over the life of the policy?* 4. *Do you provide doorstep and remote digital service?* 5. *Can you explain policy exclusions in plain language?*