{"id":2025,"date":"2022-09-10T23:03:59","date_gmt":"2022-09-10T17:33:59","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2025"},"modified":"2022-11-17T10:04:52","modified_gmt":"2022-11-17T04:34:52","slug":"interest-free-loan-against-a-new-life-policy-insurance-fraud","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/interest-free-loan-against-a-new-life-policy-insurance-fraud\/","title":{"rendered":"Offered an Interest-Free Loan Against a New Life Insurance Policy? Insurance Fraud"},"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\/interest-free-loan-against-a-new-life-policy-insurance-fraud\/#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: 0cm; background: white;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Insurance scams are very common in the insurance sector. Innocent customers get calls from fake insurance agents. They try to coax you to buy an insurance policy by giving you offers that will sound too good to be true. Beware of such offers as there are more chances that it is insurance fraud.\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-2026\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Offered-a-Loan-Against-Life-Insurance-Policy-An-Insurance-Mis-selling.jpg\" alt=\"Offered a Loan Against Life Insurance Policy?\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Offered-a-Loan-Against-Life-Insurance-Policy-An-Insurance-Mis-selling.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Offered-a-Loan-Against-Life-Insurance-Policy-An-Insurance-Mis-selling-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Offered-a-Loan-Against-Life-Insurance-Policy-An-Insurance-Mis-selling-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Offered-a-Loan-Against-Life-Insurance-Policy-An-Insurance-Mis-selling-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Offered-a-Loan-Against-Life-Insurance-Policy-An-Insurance-Mis-selling-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Offered-a-Loan-Against-Life-Insurance-Policy-An-Insurance-Mis-selling-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p><b><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Here\u2019s one of the conversations where Sunil\u00a0became a victim of Insurance fraud and mis-selling:<\/span><\/b><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Good morning, sir. I am calling from Personal Loan Ltd. Am I speaking with Sunil?<\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: Yes.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Hello Sunil, I learned from our data that you need a loan of Rs 10 lakh to start your own business. Am I right?<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: Yes.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Sir, our company supports new entrepreneurs like you. We would love to give you a loan of Rs. 10 lakh.\u00a0<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: That&#8217;s great! At what interest rate will I be getting this loan?<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Sir, this is an interest-free loan we provide to talented entrepreneurs. You don\u2019t need to pay the interest.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: Seriously? Please tell me how to proceed with this.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Sir to get this offer, you need to purchase a life insurance policy from XXX insurance company.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: I didn\u2019t get it.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Sir, first you need to buy a life insurance policy of Rs.10 lakh from XXX company and pay the first premium of Rs 1 lakh. After 30 days from the premium date, the loan amount, i.e., Rs.10 lakh, will be transferred to your bank account. You have to pay the regular premium of Rs 1 lakh for 10 years. You will assign the policy to us so that our company will get the maturity or death claim.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: So that means I will get a zero-interest loan. And I can pay back the principal amount in instalments that too in 10 years?<\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Yes sir.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: Amazing. I would love to take a loan from your bank and get a life insurance policy.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Great! I will inform an agent of XXX company, he will help you to buy an insurance policy. After you pay the first premium instalment, your loan will be approved within 30 days. During this period, you will receive a verification call from the insurance company. Don\u2019t inform them about the loan, if you tell them then it will delay the process of loan sanction. Please note that the insurance company is not giving the loan, but our company would give the loan on submission of the insurance policy.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Sunil: Sure! Thank you so much.<\/span><\/span><\/p>\n<p style=\"margin: 0cm; background: white;\"><span style=\"white-space: pre-wrap;\"><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Caller: Thank you, sir.<\/span><\/span><\/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><span style=\"font-family: 'Arial',sans-serif; color: #212529;\">Here, the fake caller mis-sold a life insurance policy to Sunil by offering him a <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/no-interest-loan-against-policy-a-helping-hand-for-insurance-mis-selling\/\">zero-interest loan<\/a>. However, an interest-free loan against an insurance policy is nothing but an insurance fraud. No company can give you such a lucrative offer. There are gangs of fake agents who trick you to buy such policies so that they can make easy money.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 0cm 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: black;\">Hence, if you receive such offers, get alert!\u00a0<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 0cm 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: black;\">Contact the insurance company to verify the details of the agent who called you. Ask about the offer that the caller was providing you. If you have any doubt about the policy, like terms and conditions, ask immediately.\u00a0<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 0cm 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: black;\">If you have bought the insurance policy, and you feel that the policy was misrepresented, contact your insurance company within the free-look period to cancel your policy.<\/span><\/p>\n<p style=\"margin: 12.0pt 0cm 0cm 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: black;\">If you are unable to do so or you need technical help from someone to resolve your insurance problem, you can contact Insurance Samadhan. We have resolved 14500+ complaints related to insurance. We\u2019ll be happy to assist you in resolving your complaint.<\/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-delay-in-claim-process\/\">Delay in claim process<\/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<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\/interest-free-loan-against-a-new-life-policy-insurance-fraud\/\"\n  },\n  \"headline\": \"Offered an Interest-Free Loan Against a New Life Insurance Policy? Insurance Fraud\",\n  \"description\": \"Insurance scams are very common in the insurance sector. Innocent customers get calls from fake insurance agents. They try to coax you to buy an insurance policy by giving you offers that will sound too good to be true. 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Innocent customers get calls from fake insurance agents. They try to coax you to buy an insurance policy by giving you offers that will sound too good to be true. Beware&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/interest-free-loan-against-a-new-life-policy-insurance-fraud\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2027,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[2,18],"tags":[22,157,23,158],"class_list":["post-2025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-misselling","category-life-insurance","tag-insurance-fraud","tag-insurance-mis-selling","tag-insurance-scam","tag-mis-selling-in-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Interest-Free Loan Against a New Life Insurance Policy? 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