Life insurance is a long-cycle, advisory-heavy sell. The leads here include new parents looking for ₹1Cr+ term cover with critical-illness rider, mid-career professionals considering ULIPs as part of tax planning, and older customers looking at traditional endowment plans for guaranteed returns. Medical-test scheduling and IRDA documentation are the friction points; claimants who can offer a smooth process win. Posters often share leads when the customer's age, medical history, or sum-assured exceeds what their own bancassurance partner supports.