What are some unfavorable sales tactics you have encountered from financial agents? Share your experiences so that we can learn and become more immune to such tactics.

For transparency and for everyone's benefit, I think it's well known that all "FAs" (insurance agents) are commission-driven. They are not salaried workers. Also I prefer to use the "FA" because I simply do not think insurance agents deserve to be over-glorified for what their job is - salespeople.

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As a result of their pay structure, "FAs" are ALWAYS incentivised to upsell you / tell you that you need more insurance coverage or more investment / that you need to sign more policies with them. Simply because of the fact that they only earn money if you buy something from them.

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By pure logic, if they come and meet you and tell you that you do not need anything (even if that was the truth), that would be a huge massive waste of them for them, and I dont believe "FAs" chose this industry out of the goodness of their heart / for them wanting to be altrustic to really help people. As such, i think you and everyone else reading this thread would agree with me that they are profit driven - hence they will push you to buy something.

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Sell capital-guaranteed product with pathetically long locked in and high "potential" returns