In my line, I have always heard horror stories and unbelievable anecdotes of how some agents go all out to make a sale. Some of these are rather complex and difficult to describe to people outside of the industry, but the following is something that is easily shared. NTUC Income has some pretty good insurance policies that are also cost-effective. Tied agents of other companies usually feel hard pressed to compete with these policies. I have faced this previously, and while I eventually decided to offer my clients better value by crossing to an IFA, other agents have come up with “creative” smear tactics to discredit their competitors, like branding NTUC as – “No Trouble Until Claim”, a play on the abbreviation. Some also talk about the “quality of assurance” to justify their higher premiums without actually showing proof of this so-called assurance. Here are some statistics from the MOH ......