On a Tuesday evening in Erode, Tamil Nadu, Karthik is back at his dining table.

The 42-year-old has spent most of his working life selling life insurance the analogue way—door to door in his small town. Now, Karthik is a point-of-sale person for Turtlemint, one of the thousands of advisors who sell insurance under its broker licence.

On his Turtlemint Pro app, a row of motor, health, and term plans glows on screen as he walks a young bank clerk and his wife through premiums and add-ons. They know him from their housing colony. When they sign, they’re not really........

© The Ken