It wasnt in mlm style last time, however it can be termed direct
selling too.
Only lately has i seen a change in its organisation structure, and
yes, its moving along mlm style, where a manager has and recruits
his networks of agents, and earns from them too.
Productwise , they have change, from pure insurance policies to
financial products too....
And insurance agents has to learn more about finanical planning
too...
