As LIC prepares to go public, it will now divert a chunk of its profits as dividends for shareholders at the expense of policyholders. Concerns also remain over its reliance on agents and manual processes in a digital world. Should you subscribe to the IPO? Host Anirban Chowdhury finds out with Nilesh Shah, MD of Kotak Mahindra Asset Management Co., and veteran management consultant Ashvin Parekh. Credits: NDTV