{"id":2007,"date":"2022-09-09T10:32:42","date_gmt":"2022-09-09T05:02:42","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2007"},"modified":"2022-11-17T10:05:13","modified_gmt":"2022-11-17T04:35:13","slug":"read-how-people-fall-into-insurance-misselling-trap","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/","title":{"rendered":"Read How People Fall Into Insurance Mis-selling Trap"},"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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/nav><\/div>\n<p style=\"margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Did you receive a call from a fraud tele-caller? Did they misguide you to buy an insurance policy that you don\u2019t need? Did you believe whatever they said? Did you verify the details and the promises they made from the insurance company? If you did not cross-check with the insurance company, then there are chances that it can be a case of mis-selling in insurance.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-2014\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling.jpg\" alt=\"Misguided By a Fake Caller? - Insurance Mis-selling\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<div><strong>Here&#8217;s how Birju was misled to buy a policy and fell prey to insurance misselling.<\/strong><\/div>\n<p>Tele-Caller: Namaste Birju Ji, I am calling from XXX insurance company. According to my records, you have taken two insurance policies from our company. Am I right?<\/p>\n<p>Birju: Namaste Sir Ji. Yes, I have taken two life insurance policies from your company. One for me and one for my wife.<\/p>\n<p>Tele-Caller: Ok. Since you are our valued customer. Let me tell you this plan is getting discontinued because of poor performance. We are advising all to switch to a new guaranteed plan. Your all money will be transferred to the new plan and you will also receive a cash bonus of Rs. 50,000.<\/p>\n<p>Birju: Ok, thanks, you called up. What will happen to my old policies?<\/p>\n<p>Tele-Caller: Sir, this will be transferred to new endowment policies and you will not have a loss. This is a special offer for selected customers where you will receive Rs 50,000 on payment of Rs 60,000 for the new policy. Your earlier plan was non-guaranteed and your new plan is guaranteed,<\/p>\n<p>Birju: That means, earlier that agent made me a murakh? I shouldn\u2019t have bought term insurance.<\/p>\n<p>Tele-Caller: No sir, it was not his fault. Both policies have their own benefits.<\/p>\n<p>Birju: hmmm\u2026<\/p>\n<p>Tele-Caller: Sir this policy is only available for a limited time. Do you need it?<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p>Birju: Seriously? Quickly tell me, how much premium do I need to pay? How long is the policy?<\/p>\n<p>Tele-Caller: You need to pay Rs 60,000 on a yearly basis for 10 years. And you will receive Rs 10 lakh as a death benefit or maturity benefit, whichever the case may be.<\/p>\n<p>Birju: For 10 years? Umm\u2026I don\u2019t want to buy this policy.<\/p>\n<p>Tele-Caller: Sir, don\u2019t worry about anything. I think you should buy the policy. After 1 year, if you feel that you don\u2019t want to continue this policy, then you can cancel it. But I advise you to continue the policy for at least a year.<\/p>\n<p>Birju: Oh, so I can cancel this policy after a year too? And what about the premium which I would pay in the first year?<\/p>\n<p>Tele-Caller: Yes, you can cancel a policy after a year. And the already paid premium can be recovered.<\/p>\n<p>Birju: Ok then, I\u2019ll purchase the new policy from you. What do I need to do?<\/p>\n<p>Tele-Caller: Good decision sir. I\u2019ll send you a link, and make the payment on that link. After that, an OTP will also be sent to you. Send me that OTP. The OTP will ensure that you confirm the purchase.<\/p>\n<p>Birju: ok\u2026wait a minute\u2026\u2026I paid the premium. OTP is ****<\/p>\n<p>Tele-Caller: Thank you, sir. One more thing sir, you\u2019ll receive a call from the insurance company for confirmation. Agree with whatever that person says. It will make the process quick.<\/p>\n<p>Birju: Ok Ji.<\/p>\n<p>Tele-Caller: Thank you, sir.<\/p>\n<p style=\"margin: 12.0pt 0cm .0001pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Here Birju, a 40-year-old farmer was misguided to buy an <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-endowment-plan-and-their-benefits\/\">endowment insurance policy<\/a>. He already had an insurance policy and had no intention to buy an endowment policy. However, he was coaxed to buy the policy. He was also misguided that he can cancel his policy and recover the already premium money after 1 year from the date of issuance. He was also not told the fact that during the free-look period, he can reconsider the policy.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">A policyholder can cancel his policy during the free-look period. There is no system where an old policy can be converted into a new one. The old policy will be surrendered giving approx. 40% of paid premium.\u00a0<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 10.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">If you are misguided by someone to buy an insurance policy, then contact your insurance company and inform them about such <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/steps-to-deal-with-insurance-mis-selling\/\">mis-selling<\/a>. If you are unable to get your money back, then contact Insurance Samadhan.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 12.0pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: 'Arial','sans-serif'; color: black;\">Insurance Samadhan has resolved more than 14,500 complaints related to insurance. Insurance complaints include insurance mis-selling, claim rejection, delay in claim settlement, etc. Contact us to get samadhan for your insurance-related issues, we\u2019ll be happy to help you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-reasons-for-travel-insurance-medical-claim-rejection\/\">Travel insurance medical claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-to-cancel-your-insurance-period-during-free-look-period\/\">Mis-sold an insurance policy<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\n<p>You can also<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\">Click here<\/a>\u00a0to register your case with us<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/\"\n  },\n  \"headline\": \"Read How People Fall Into Insurance Mis-selling Trap\",\n  \"description\": \"Read how a 40-year-old farmer was misguided to buy an endowment insurance policy and became the victim of insurance mis-selling.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Misguided-By-a-Fake-Caller-Insurance-Mis-selling.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-09-09\",\n  \"dateModified\": \"2022-09-09\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you receive a call from a fraud tele-caller? Did they misguide you to buy an insurance policy that you don\u2019t need? Did you believe whatever they said? Did you verify the details and the promises they made from the&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2015,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[2],"tags":[22,157,107,23],"class_list":["post-2007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-misselling","tag-insurance-fraud","tag-insurance-mis-selling","tag-insurance-misguide","tag-insurance-scam"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Read How People Fall Into Insurance Mis-selling Trap<\/title>\n<meta name=\"description\" content=\"Read how a 40-year-old farmer was misguided to buy an endowment insurance policy and became the victim of insurance mis-selling.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Read How People Fall Into Insurance Mis-selling Trap\" \/>\n<meta property=\"og:description\" content=\"Read how a 40-year-old farmer was misguided to buy an endowment insurance policy and became the victim of insurance mis-selling.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-09T05:02:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-17T04:35:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/wp-content\/uploads\/2022\/09\/thumbnail-5.jpg?fit=250%2C175&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"175\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Shailesh Kumar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shailesh Kumar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/\",\"name\":\"Read How People Fall Into Insurance Mis-selling Trap\",\"isPartOf\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/thumbnail-5.jpg\",\"datePublished\":\"2022-09-09T05:02:42+00:00\",\"dateModified\":\"2022-11-17T04:35:13+00:00\",\"author\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/38d2f769aa9bdee462bd2b530c7a40b2\"},\"description\":\"Read how a 40-year-old farmer was misguided to buy an endowment insurance policy and became the victim of insurance mis-selling.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/read-how-people-fall-into-insurance-misselling-trap\/#primaryimage\",\"url\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/thumbnail-5.jpg\",\"contentUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/thumbnail-5.jpg\",\"width\":250,\"height\":175,\"caption\":\"Misguided By a Fake Caller? 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