When a life insurance agent or financial adviser sells you a financial product, the agent or adviser receives a handsome commission and is likely to be motivated by the commission. The buyer pays for the commission, but is not aware about it and does not know the amount (which may come as a shock to the buyer at a later date).
This is called "conflicted remuneration". It has been a big problem in the UK and Australia. Australia is still struggling with this issue. You can read and understand what the issue is, from this article by a consumer advocacy group.