I saw your post on Facebook regarding insurance agent being poorly trained. I absolutely agree with your post. Being an agent myself, I notice several things thought doing agent and product training.
1) We are taught that by selling some of the products, we are helping people to diversify their portfolio and hedged against inflation , ie ILP and Savings Plan
2) Most of the product training only covers the good part and not the disadvantages. We are taught , the policies are for long term.
3)We are taught, we are the guardian angel as we are helping people. This is true, if we sell term policies.
4) We have KPI and sales target to meet, which to me contradicts point 3.