The main reason why we do not trust on salesmen or agents when it comes to buy an insurance policy because fraud in this field has become a daily job and cheating people is the new profession of such people. Every now and then we com across many news having same headline of cheating and fraud. As our money is on stack, so we have to be careful and have to look on every aspect, an insecurity towards fraud is the main threat that does not allow us to believe even the honest guys. Another reason of getting cheated is the lack of proper knowledge of insurance policy and how to get one? How to know the company and insurance policy is valid is still becomes a puzzling question.