"Insurance is the Subject matter of Solicitation"
"Insurance is a Subject Matter of Asking for it"
It simply means that Insurance policies should not be SOLD but it has to be willingly accepted and solicitated.
SOLICITATION- It means "Asking for".
We should "Ask for" our own Need rather than accepting it by compulsion.
In brief,one should not blindly follow the Standard Information given by the company on its Web terms and other media but we should tailor make our policy by sitting and discussing with our agent according to our own requirement.
As a consumer we should,
1.Frame our own need.
2.Plan the solution.
3.Meet a trained Financial Adviser.
4.Select the exact solution and finalise it.
Insurance can always be supplied only on demand and not on compulsion.
But instead in our country we are not solicitated(i.e we dont go and ask them for a policy for our own need instead we are approached for it).