Dear Mr. Subra

I am writing this to you – but please do not disclose my name and email id – many of my clients read your blog. The ratio of articles that you write against the adviser is quite a lot, but you also write some articles favoring them. Hence I decided to write to you.

Many of my clients use my services for a limited purpose – they use multiple advisors like banks also. Even for customers for whom I do take trouble to explain which product is good for them, they continue to buy wrong products from other advisors. Should I worry about this, or should i change my attitude and try to make maximum money from these clients – till 2011 at least?

My clients who have taken term insurance from many insurance companies – but I find term insurance from one particular company now the cheapest – should I ask them to switch to this company? Clients will not pay me a ‘switching’ fee – but the savings for them will be good. As an insurance adviser my manager will lose his job if all my 324 clients switch from ULIP and expensive term. I am only 32 years of age – should I change my career? I have enough family money to do some other business like buying and selling second hand imported cars. I have a smart client base – and this seems to be a better option. What say?