{"id":1028,"date":"2021-12-13T10:32:44","date_gmt":"2021-12-13T05:02:44","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1028"},"modified":"2025-09-05T09:26:16","modified_gmt":"2025-09-05T03:56:16","slug":"how-insurance-policies-are-mis-sold","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/how-insurance-policies-are-mis-sold\/","title":{"rendered":"How Insurance Policies are Mis-Sold?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-insurance-policies-are-mis-sold\/#Will_you_get_a_loan_A_big_No\" >Will you get a loan?? A big No<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-insurance-policies-are-mis-sold\/#What_precautions_you_should_take\" >What precautions you should take?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-insurance-policies-are-mis-sold\/#What_can_be_done_if_you_have_fallen_trap\" >What can be done if you have fallen trap??<\/a><\/li><\/ul><\/nav><\/div>\n\r\n<p class=\"has-white-color has-text-color\">How Insurance Policies are Mis-Sold?<\/p>\r\n\r\n\r\n\r\n<p>Nowadays a lot of people are experiencing this kind of misselling and Fraud where the telecaller poses to be from Bajaj Finserv or leading lending banks.<\/p>\r\n\r\n\r\n\r\n<p>The customer is offered an interest-free loan or loan at a very low interest. The general target segment for such fraud callers is small businessmen\/ people looking for loans.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\">The fraud caller suggests the customer to buy an insurance policy. They inform the customer that the loan will be a multiple of the premium paid. The scheme is attractive and flawless to the common men who are generally ignorant about insurance policies.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\">So, if you need a loan of 10 lacs, you will be asked to pay a premium of Rs 1 lacs annually for 10 years. So, if you ask why the bank will give a loan?? They will tell you that the insurer gives a bonus on the policy and the entire bonus will go to the bank as the policy lapses. They will also convince you that if something will happen to you the bank can recover from the policy.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\">Now the question which remains unanswered here\u2014What if the customer stops paying the premium, how will the bank recover the loan?? Of course, this is not a full-proof scheme but as a customer, we look at the greener side of what we are getting and at what cost.<\/p>\r\n\r\n\r\n\r\n<p>So many people fell into the trap of getting an easy loan without much documentation!!<\/p>\r\n\r\n\r\n\r\n<p>When you agree to this scheme, they will send you a link to the insurance company and will ask you to pay the premiums which of course you will gladly pay since the link is authentic.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\">The Insurance company in an attempt to curb such fraud practices, calls their customers and asks explicitly that if they are being sold the policy for a loan. An alert customer may stop the transaction at this point and understand that this may be misselling but many still proceed to buy the policy. The seller will tell you that you need not tell the insurer about the loan, you just tell them it\u2019s a long-term policy for tax and personal goals so that you may get the policy smoothly. Insurers may not issue if the policy is for loan mortgage.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\">Once the policy is issued, you will be told that the loan will be disbursed in a few days and you keep waiting. Depending on the education background more policies are sold in name of GST on loans or File charges or sometimes in need of a guarantor. They may also come back to you that the loan approved has increased and will show you a cheque too.<\/p>\r\n\r\n\r\n\r\n<p>Some customers are trapped into selling multiple policies.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_you_get_a_loan_A_big_No\"><\/span>Will you get a loan?? A big No<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>In this way, the agent has earned a huge commission out of your money and if you do not continue the policies the entire money is forfeited by the company.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_precautions_you_should_take\"><\/span>What precautions you should take?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\" type=\"1\">\r\n<li>Meet the agent or set up a video call to understand the offerings<\/li>\r\n<li>Ask for product brochures and written documents on mail<\/li>\r\n<li>When the insurer calls you, please answer to their questions correctly. This is for your own benefit. Do not rush through the call<\/li>\r\n<li>Read the document after receiving the same, if you feel something is wrong visit the branch or call customer care and apply for free look cancellation<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_can_be_done_if_you_have_fallen_trap\"><\/span>What can be done if you have fallen trap??<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Take immediate action and inform the company by visiting the branch and submitting a complaint letter. You may also write to the company<\/p>\r\n\r\n\r\n\r\n<p>You can write to IRDA with details of your complaint or may call their helpline numbers<\/p>\r\n\r\n\r\n\r\n<p>You can approach the Insurance ombudsman if you do not get any favorable response from the company and IRDA<\/p>\r\n\r\n\r\n\r\n<p>You may approach the court of law.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-text-align-justify\">There are clear guidelines available on filing the complaint and the same should be followed. Right representation of the complaint is important for early resolution and here <a href=\"http:\/\/www.insurancesamadhan.com\">Insurance Samadhan helps you to file your complaint<\/a> at various levels in the insurance language which is understood by all levels.<\/p>\r\n\r\n\r\n\r\n<p>I believe now you know How Insurance Policies are Mis-Sold?<\/p>\r\n\r\n\r\n<!-- Begin Mailchimp Signup Form -->\r\n<p><style type=\"text\/css\">\r\n\t#mc_embed_signup{background:#fff; clear:left; font:14px Helvetica,Arial,sans-serif; width:100%;}\r\n\t\/* Add your own Mailchimp form style overrides in your site stylesheet or in this style block.\r\n\t   We recommend moving this block and the preceding CSS link to the HEAD of your HTML file. *\/\r\n<\/style><\/p>\r\n<div id=\"mc_embed_signup\"><form id=\"mc-embedded-subscribe-form\" class=\"validate\" action=\"https:\/\/insurancesamadhan.us4.list-manage.com\/subscribe\/post?u=d7a4e35f1f6a534b8b3f7c695&amp;id=14c08c2e22\" method=\"post\" name=\"mc-embedded-subscribe-form\" novalidate=\"\" target=\"_blank\">\r\n<div id=\"mc_embed_signup_scroll\"><label for=\"mce-EMAIL\">Subscribe to InsuranceSamadhan for articles and great info on insurance products.<\/label> <input id=\"mce-EMAIL\" class=\"email\" name=\"EMAIL\" required=\"\" type=\"email\" value=\"\" placeholder=\"email address\" \/> <!-- real people should not fill this in and expect good things - do not remove this or risk form bot signups-->\r\n<div style=\"position: absolute; left: -5000px;\" aria-hidden=\"true\"><input tabindex=\"-1\" name=\"b_d7a4e35f1f6a534b8b3f7c695_14c08c2e22\" type=\"text\" value=\"\" \/><\/div>\r\n<div class=\"clear\"><input id=\"mc-embedded-subscribe\" class=\"button\" name=\"subscribe\" type=\"submit\" value=\"Subscribe\" \/><\/div>\r\n<\/div>\r\n<\/form><\/div>\r\n<!--End mc_embed_signup-->\r\n\r\n\r\n<p>&nbsp;<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>How Insurance Policies are Mis-Sold? Nowadays a lot of people are experiencing this kind of misselling and Fraud where the telecaller poses to be from Bajaj Finserv or leading lending banks. The customer is offered an interest-free loan or loan&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-insurance-policies-are-mis-sold\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":1033,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[2],"tags":[426],"class_list":["post-1028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-misselling","tag-mis-selling-of-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mis Selling of Insurance Policy \u2013 Facts<\/title>\n<meta name=\"description\" content=\"Understand the mis selling of insurance policy, its impact on claims, and how to file complaints for policy refunds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-insurance-policies-are-mis-sold\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mis Selling of Insurance Policy \u2013 Facts\" \/>\n<meta property=\"og:description\" content=\"Understand the mis selling of insurance policy, its impact on claims, and how to file complaints for policy refunds.\" \/>\n<meta property=\"og:url\" content=\"http:\/\/www.insurancesamadhan.com\/blog\/how-insurance-policies-are-mis-sold\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-13T05:02:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T03:56:16+00:00\" \/>\n<meta property=\"og:image\" 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Arora","author_link":"http:\/\/www.insurancesamadhan.com\/blog\/author\/shilpa-arora\/"},"uagb_comment_info":0,"uagb_excerpt":"How Insurance Policies are Mis-Sold? Nowadays a lot of people are experiencing this kind of misselling and Fraud where the telecaller poses to be from Bajaj Finserv or leading lending banks. The customer is offered an interest-free loan or loan&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/1028","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=1028"}],"version-history":[{"count":5,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/1028\/revisions"}],"predecessor-version":[{"id":5396,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/1028\/revisions\/5396"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/1033"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=1028"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=1028"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=1028"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}