To be honest - i think it's a fault of both side.....you have a rookie insurance agents that want to sell insurance. So, with pretty much every sale strategy you go to the people you know the most to tell them about the products/goods/service and tell'em all the good stuff. And in this case....nepali people like to think that other nepali people won't screw them over. So the buyer will hear all the good stuff and trust agent and buy the goods.
The key issue is....the buyer needs to educate themselves enough to ask the right questions instead of just trusting someone cause he is from your country. Everyone gotta eat!!! And let's really be honest....from what i've seen, nepali community don't believe in life insurance....they believe in "my kids will take care of me insurance".
FYI, I've been approached twice by two nepali agent from different firms....one for retirement and health....and both times i had a meeting and i really listened to them to hear what they have to say so that i can compare and decide to purchase or pass. Problem was, when i asked questions....the agents for most part didn't have an answer, became hesitant (and one of them started to sweat like a waterfall), and really lost the control of the meeting, at that point i was like dude your wasting my time....don't call me....I'll call you!