{"id":2229,"date":"2022-10-02T14:00:24","date_gmt":"2022-10-02T08:30:24","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2229"},"modified":"2022-11-17T09:46:56","modified_gmt":"2022-11-17T04:16:56","slug":"protect-yourself-from-insurance-mis-selling","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/protect-yourself-from-insurance-mis-selling\/","title":{"rendered":"Protect Yourself from Insurance Mis-Selling"},"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\/protect-yourself-from-insurance-mis-selling\/#Read_How_a_Person_Can_Mislead_You_into_Buying_Insurance_Policies\" >Read How a Person Can Mislead You into Buying Insurance Policies:<\/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\/protect-yourself-from-insurance-mis-selling\/#Mr_Malhotra_Became_a_Victim_of_Insurance_Mis-Selling_and_Fraud\" >Mr. Malhotra Became a Victim of Insurance Mis-Selling and Fraud<\/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\/protect-yourself-from-insurance-mis-selling\/#How_Can_He_Get_His_Money_Back\" >How Can He Get His Money Back?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/protect-yourself-from-insurance-mis-selling\/#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><\/li><\/ul><\/nav><\/div>\n<p>Insurance is something that has to be requested or asked for. One cannot forcefully sell you an insurance policy. If someone coaxes you to buy an insurance policy that you do not want, then do not buy it as you can become a victim of insurance mis-selling. Even if you sympathize with his situation, then also avoid his offer.<\/p>\n<p>There are people who try to come in contact with elderly people and try to act friendly with them. Then they will tell fictitious emotional stories about their personal and professional lives and persuade the elderly to buy a financial instrument (FD, insurance, etc.). Do not believe such people and never take decisions related to investing money emotionally.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-2239\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Protect-Yourself-From-Insurance-Mis-Selling.jpg\" alt=\"Protect Yourself from Insurance Mis-Selling\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Protect-Yourself-From-Insurance-Mis-Selling.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Protect-Yourself-From-Insurance-Mis-Selling-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Protect-Yourself-From-Insurance-Mis-Selling-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Protect-Yourself-From-Insurance-Mis-Selling-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Protect-Yourself-From-Insurance-Mis-Selling-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Protect-Yourself-From-Insurance-Mis-Selling-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Read_How_a_Person_Can_Mislead_You_into_Buying_Insurance_Policies\"><\/span>Read How a Person Can Mislead You into Buying Insurance Policies:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mr. Malhotra is a retired senior citizen. He met a 28-year-old Pramod at the time of his morning walk. They became friends.<br \/>\n<strong>Pramod:<\/strong>\u00a0Hi Sir. How are you?<br \/>\n<strong>Mr. Malhotra:<\/strong> Hi Pramod beta. Enjoying my retired life.<br \/>\n<strong>Pramod:<\/strong> That\u2019s amazing.<br \/>\n<strong>Mr. Malhotra:<\/strong> You look depressed. How are you?<br \/>\n<strong>Pramod:<\/strong> Sir, it\u2019s been 2 years. I haven\u2019t yet got a promotion. I am not able to achieve my target.<br \/>\n<strong>Mr. Malhotra:<\/strong> Don\u2019t worry beta. Work hard. You\u2019ll be able to achieve your target.<br \/>\n<strong>Pramod:<\/strong> Yes\u2026 Sir, can you do me a favour? Please?<br \/>\n<strong>Mr. Malhotra:<\/strong> Yeah sure. But, tell me how can I help you?<br \/>\n<strong>Pramod:<\/strong> Sir, you just need to buy an FD of Rs. 5 lakh from me. Then my target will be accomplished.<br \/>\n<strong>Mr. Malhotra:<\/strong> But..<br \/>\n<strong>Pramod:<\/strong> It would really help me. Please, sir. I am the only breadwinner of my family. Sir, please help me.<br \/>\n<strong>Mr. Malhotra:<\/strong> Umm\u2026Ok<br \/>\n<strong>Pramod:<\/strong> Great! I\u2019ll bring the documents tomorrow. Thank you, sir.<\/p>\n<p>The next day, Pramod bought two forms. Mr. Malhotra forgot to bring his spectacles and signed those forms without reading them.<\/p>\n<p>Later Mr. Malhotra received a verification call from ABC insurance company and learned that Pramod mis-sold him two life insurance policies. According to the call, he had to pay premium money for 5 years. He was very angry and refused to pay any premium. He immediately called him to cancel the policy.<\/p>\n<p><strong>Mr. Malhotra:<\/strong> Pramod, I trusted you and signed those documents. But in reality, you sold me two insurance policies. Now I need to pay premiums too. You broke my trust.<br \/>\n<strong>Pramod:<\/strong> Sorry sir. But I believe it is a better option as it is a one-time investment with a monthly income after 5 years.<br \/>\n<strong>Mr. Malhotra:<\/strong> But he said that I need to pay premium money<br \/>\n<strong>Pramod:<\/strong> Sir there must be confusion. The future premiums are optional.<br \/>\n<strong>Mr. Malhotra:<\/strong> Still you should have informed me about it.<br \/>\n<strong>Pramod:<\/strong> Sir at that time, I was very stressed. You know about my younger sister. I need to pay for her education. My mom needs an eye operation. This promotion is really important for me.<\/p>\n<p>Mr. Malhotra became emotional. He sympathized with Pramod and agreed to continue the policy.<\/p>\n<p><strong>Pramod:<\/strong> Sir one more thing, you will again receive a call from the company. Agree with whatever they\u2019ll say. I guarantee you that you won\u2019t need to pay any premium in the future.<\/p>\n<p><strong>Mr. Malhotra:<\/strong> Ok.<\/p>\n<p>Later, they met regularly. Mr. Malhotra took help from Pramod to activate his internet banking.<\/p>\n<p>3 months later, he learned another Rs. 5 lakh was debited from his account. He contacted ABC insurance company. The company informed him that he has bought an XYZ life pension plan.<\/p>\n<p>He tried to contact Pramod, but his phone was switched off.<\/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<h2><span class=\"ez-toc-section\" id=\"Mr_Malhotra_Became_a_Victim_of_Insurance_Mis-Selling_and_Fraud\"><\/span>Mr. Malhotra Became a Victim of Insurance Mis-Selling and Fraud<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pramod was not an employee of a bank or insurance company. He mi-sold 3 life insurance policies to Mr. Malhotra.<br \/>\nOut of the three policies, two policies were <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/insurance-policy-mis-sold-in-the-name-of-fd\/\">mis-sold to him in the name of FD<\/a>. When the fraud was discovered, Pramod emotionally convinced Mr. Malhotra to continue the policy.<br \/>\nThe third policy was mis-sold to him without taking his consent. Under the pretext of activating internet banking, Pramod took Mr. Malhotra\u2019s phone and paid for the third policy.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Can_He_Get_His_Money_Back\"><\/span>How Can He Get His Money Back?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>He needs to immediately lodge a complaint at the police station against Pramod. He should contact the insurance company and explain to them about the insurance mis-selling and <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/beware-of-mis-selling-and-insurance-fraud\/\">fraud<\/a>. If he doesn\u2019t receive a satisfactory response, then he can approach the Grievance Cell of IRDAI. He can also contact Insurance Samadhan for help.<\/p>\n<p>If you are a victim of insurance mis-selling or have any problem related to your insurance, you can approach Insurance Samadhan. We have resolved 14,500+ insurance-related complaints. Contact us to get samadhan for your insurance-related issues, we\u2019ll be happy to help you.<\/p>\n<hr \/>\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\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health Claim Rejection amid Covid-19<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life 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><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/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<\/div>\n<\/div>\n<\/div>\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\/protect-yourself-from-insurance-mis-selling\/\"\n  },\n  \"headline\": \"Protect Yourself from Insurance Mis-Selling\",\n  \"description\": \"There is a new way of insurance mis-selling in which people trap innocent old people. 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If someone coaxes you to buy an insurance policy that you do not want, then do not buy it as you&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/protect-yourself-from-insurance-mis-selling\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[2],"tags":[22,200,212,158],"class_list":["post-2229","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-misselling","tag-insurance-fraud","tag-irdai","tag-irdai-grievance-cell","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>Protect Yourself from Insurance Mis-Selling - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"There is a new way of insurance mis-selling in which people trap innocent old people. 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