{"id":3230,"date":"2023-08-22T16:08:24","date_gmt":"2023-08-22T10:38:24","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=3230"},"modified":"2024-02-26T11:25:16","modified_gmt":"2024-02-26T05:55:16","slug":"recognizing-mis-selling-tactics-in-insurance-policies-how-to-protect-yourself","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/recognizing-mis-selling-tactics-in-insurance-policies-how-to-protect-yourself\/","title":{"rendered":"Recognizing Mis-Selling Tactics in Insurance Policies: How to Protect Yourself"},"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\/recognizing-mis-selling-tactics-in-insurance-policies-how-to-protect-yourself\/#How_to_Recognize_Mis-Selling_Tactics_in_Insurance_Policies\" >How to Recognize Mis-Selling Tactics in 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\/recognizing-mis-selling-tactics-in-insurance-policies-how-to-protect-yourself\/#Tactics_Sellers_may_use_which_you_need_to_be_careful\" >Tactics Sellers may use which you need to be careful:<\/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\/recognizing-mis-selling-tactics-in-insurance-policies-how-to-protect-yourself\/#Bottom_Line\" >Bottom Line<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Recognize_Mis-Selling_Tactics_in_Insurance_Policies\"><\/span><b>How to Recognize Mis-Selling Tactics in Insurance Policies<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance is bought to protect the family and businesses against the unforeseen circumstances. When we look at a life insurance product, we need to understand the protection the product offers. The advisor will help you understand your need for protection by doing the analysis of your current standard of living, your assets and liabilities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After the analysis, he would offer you products that will cover the gaps of risks. If the product suits your protection needs and the premium that needs to be paid, you buy the product.<\/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<h2><span class=\"ez-toc-section\" id=\"Tactics_Sellers_may_use_which_you_need_to_be_careful\"><\/span><b>Tactics Sellers may use which you need to be careful:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Tactic 1: Higher Returns<br \/>\n<\/b><span style=\"font-weight: 400;\">Traditional Insurance products by design cannot offer returns more than MF or FD. There are charges deducted from your premium towards expenses and risk coverage (Mortality).<\/span><\/p>\n<p><b>Tactic 2: Flexible Premium Payment<br \/>\n<\/b><span style=\"font-weight: 400;\">You can stop paying premiums! Most insurance products are regular pay which means that you enter into an agreement with the Insurer that you will pay regular premiums for the number of years that you choose. Hence a withdrawal in-between is not possible. You have the option to surrender, pay up or take a loan.<\/span><\/p>\n<p><b>Tactic 3: Single Premium Product<br \/>\n<\/b><span style=\"font-weight: 400;\">Please check your policy document and check when you get the call from the insurer. Single premium products also do not work like an FD, there is a maturity date given, please check if that suits you. You do not have flexibility of withdrawal anytime. If someone is committing, you can withdraw as and when you like. That\u2019s an alert!<\/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><b>Tactic 4: Loan on new policy<br \/>\n<\/b><span style=\"font-weight: 400;\">You can get an interest free\/ low interest loan if you mortgage your new insurance policy. You get a loan on your old policy based on the Surrender value it has acquired. Contact your insurance company for details.<\/span><\/p>\n<p><b>Tactic 5: Lapsed policy and Bonus<br \/>\n<\/b><span style=\"font-weight: 400;\">You have money in your lapsed policy which you can withdraw by transferring the funds to a new policy. This is a fake promise!! A Lapsed policy can have surrender value and can be revived, you need to contact your insurer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To protect yourself and your family, always listen and understand the call done by the insurer before the issuance of the policy and after the policy bond is delivered to you. This call is done to safeguard the policyholder. We tend to ignore the call and fall into the trap of fraud and mis-selling!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Policyholders can cancel the policy within the free look period of 15 days after the policy delivery and seek refund if the premium of the policy does not match the requirements.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3231\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger.png\" alt=\"Mis-Selling-Tactics-in-Insurance-Policies\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span><b>Bottom Line<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are also a victim of mis-selling in insurance, you must immediately contact your insurance company. If you still need help, you can contact Insurance Samadhan. We have resolved 15,000+ insurance-related complaints. These insurance complaints include claim rejection, delay in claim settlement, fraud and mis-selling in insurance.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong>Contact us to get Samadhan for your insurance-related issues, we\u2019ll be happy to help you.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u201cInsurance Samadhan is a private organization and has no association with IRDA or any Government body\u201d<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">By Shilpa Arora \u2013 Co-founder &amp; COO<\/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\"><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><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\/recognizing-mis-selling-tactics-in-insurance-policies-how-to-protect-yourself\/\"\n  },\n  \"headline\": \"Recognizing Mis-Selling Tactics in Insurance Policies: How to Protect Yourself\",\n  \"description\": \"Identify insurance mis-selling tactics, protect your family, and consult Insurance Samadhan for expert help. Don't be a victim; secure your financial future now.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/How-to-Recognize-Mis-Selling-Tactics-in-Insurance-Policies-larger.png?resize=1024%2C576&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Insurance Samadhan\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2023-08-22\",\n  \"dateModified\": \"2023-08-22\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to Recognize Mis-Selling Tactics in Insurance Policies Insurance is bought to protect the family and businesses against the unforeseen circumstances. When we look at a life insurance product, we need to understand the protection the product offers. The advisor&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/recognizing-mis-selling-tactics-in-insurance-policies-how-to-protect-yourself\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":3232,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20,311,2,320],"tags":[],"class_list":["post-3230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","category-insurance-claim-rejection","category-insurance-misselling","category-mis-selling-tactics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guard Against Insurance Mis-Selling Tips | Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Discover how to recognize and prevent mis-selling of insurance policies. 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