Know how they are paid
/If someone is selling you something, know how they are paid
It's totally your right to ask how someone is compensated. If it's based on a percentage of sale (commission) then they will have incentive to sell you that. Insurance, 401k fund managers, lawyers all work on commission which, not always, but often, means that, by definition, its a CONFLICT OF INTEREST. What's good for them may or may not be good for you. When you buy shit from people at least understand what is motivating them.
People naturally get scared and uncomfortable talking about money. The sooner you get over that the better off you'll be.