if it had been health insurance, i'd have agreed. but this is life insurance. upon inception of policy, there's mostly nothing else needed to be done until maturity except paying premiums. so, i don't see a benefit other than adding a middleman, unless they're already an axis acc holder. even then the RMs are not aware of the policy wordings, and won't be able to resolve doubts themselves much. sure they'd know enough to make the sale, but not the same level of knowledge as the max customer care/max branch executives.