{"id":3410,"date":"2023-09-21T12:16:38","date_gmt":"2023-09-21T06:46:38","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=3410"},"modified":"2023-09-21T12:20:01","modified_gmt":"2023-09-21T06:50:01","slug":"how-to-identify-red-flags-of-mis-selling-in-insurance-products","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/how-to-identify-red-flags-of-mis-selling-in-insurance-products\/","title":{"rendered":"How to Identify Red Flags of Mis-selling in Insurance Products"},"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-to-identify-red-flags-of-mis-selling-in-insurance-products\/#An_Overview\" >An Overview<\/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-to-identify-red-flags-of-mis-selling-in-insurance-products\/#Choosing_the_Right_Insurance_with_Proper_Guidance\" >Choosing the Right Insurance with Proper Guidance<\/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-to-identify-red-flags-of-mis-selling-in-insurance-products\/#Recognizing_Insurance_Red_Flags\" >Recognizing Insurance Red Flags<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-identify-red-flags-of-mis-selling-in-insurance-products\/#How_to_avoid_mis-selling\" >How to avoid mis-selling<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-identify-red-flags-of-mis-selling-in-insurance-products\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"An_Overview\"><\/span><b>An Overview<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It is said that life insurance is a subject matter of solicitation. This means that the concept of insurance needs to be sold on its merits and cannot be sold through luring people with attractive offers. In spite of this, insurance is mis-sold with offers, and mostly such sales turn out to be a fraud. IRDA, the regulator, runs various campaigns to make people aware of mis-selling, fraud, but the public still falls into the trap. Recently, the IRDA and Insurance Council ran a campaign on mis-selling. Even each advertisement of insurance companies has a warning about mis-selling.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is also said that insurance is always sold and never bought. This means that the need for insurance is not explicit and it is latent, which needs persuasion and awareness.<\/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=\"Choosing_the_Right_Insurance_with_Proper_Guidance\"><\/span><b>Choosing the Right Insurance with Proper Guidance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Given are the various situations for which insurance is sold:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dying early &#8211; Term Insurance to compensate for income loss.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Living too long &#8211; Pension and Annuity<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Children&#8217;s Education and Marriage &#8211; Endowment Plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legacy &#8211; Whole Life<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk cover with Investments &#8211; ULIPs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protection against loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protection against Disability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protection against diseases<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Hence, insurance selling requires proper need identification and then recommending the right solution. Intermediaries need to do a Fact Finding before recommendation through steps below:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Introduce self with ID card and License.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seek an appointment to understand the need<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recommend a solution and take agreement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ask the customer to fill the form, especially details that are material.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take an agreement on Premium to be paid each year, Premium payment Term, Policy Term, Money on Death, and Money on Maturity as per the 4% and 8% formula mandated by IRDA.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Awareness of Freelook, Surrender Value, Grace Period, Section 45, and Reinstatement.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If an intermediary is not following these steps, then one needs to be careful. Please note that Insurance Sellers work like a Doctor and should prescribe policy like medicine after understanding the disease, i.e., Need Analysis. The process is important, which is why an intermediary is paid a high initial commission.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If these steps are not followed, then beware yourself and your family. Always call the Call Center of the Insurance Company to check the policy features being told to you. Insurance is a long-term commitment, and buy only if you are able to keep the commitment. Do not overcommit.<\/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=\"Recognizing_Insurance_Red_Flags\"><\/span><b>Recognizing Insurance Red Flags<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Given below are various fraudulent offers which are clear red flags:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Returns <\/b><span style=\"font-weight: 400;\">&#8211; Insurance cannot offer more than 6% return under any circumstances.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest-Free Loan is offered<\/b><span style=\"font-weight: 400;\"> &#8211; no insurance company offers a loan on the paid premium. They offer loans on Endowment products, i.e., 90% of surrender value, which is much less than the paid premium by you. They also charge interest.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gold Coin<\/b><span style=\"font-weight: 400;\"> &#8211; No insurance company is allowed to make any offer to the customer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Job assurance<\/b><span style=\"font-weight: 400;\"> &#8211; once again no such offer can be made<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Recovery of money from lapsed insurance<\/b><span style=\"font-weight: 400;\"> &#8211; there are no conditions. If your lapsed insurance has surrender value, then it will be paid to you, you need not buy any policy for recovery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Insurance is sold as an FD by the bank<\/b><span style=\"font-weight: 400;\">&#8211; Insurance can never offer a higher return than fixed deposit. Moreover, FD is one-time payment and Insurance requires premium commitment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A foreign trip<\/b><span style=\"font-weight: 400;\"> &#8211; once again, the Insurance company cannot lure a customer<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">IRDAI understands and as a part of consumer protection offers a free look period of 15 days where you can return the product and take the premium back if you feel that you have been cheated!<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_avoid_mis-selling\"><\/span><b>How to avoid mis-selling<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand the product and ask questions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ask for the brochure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand how this product will fit your need<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand the premium payment term and the maturity date<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fill the proposal form on your own and declare everything<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When the insurance company calls before policy issuance, clarify the product once again<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After you receive the policy document, check the schedule page and see if everything is as per commitment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Raise to the insurance company of any concern within the free look period<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Having an insurance product is the most important asset for the protection of the family, and hence care should be taken while purchasing the same.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3412\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1.png\" alt=\"\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In the realm of life insurance, understanding its intrinsic value, making informed choices, and recognizing red flags are essential steps towards safeguarding one&#8217;s financial well-being and protecting the family&#8217;s future. The guidance of responsible intermediaries and the availability of consumer protection mechanisms like the free look period can further ensure a secure and reliable insurance purchase.<\/span><\/p>\n<p><b>By Shilpa Arora \u2013 Co-founder &amp; COO<\/b><\/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\/how-to-identify-red-flags-of-mis-selling-in-insurance-products\/\"\n  },\n  \"headline\": \"How to Identify Red Flags of Mis-selling in Insurance Products\",\n  \"description\": \"Learn about the significance of ethical life insurance practices, how to choose the right policy, and how to avoid insurance fraud.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/09\/How-to-Identify-Red-Flags-of-Mis-Selling-in-Insurance-Products-larger-1.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\": \"2023-09-21\",\n  \"dateModified\": \"2023-09-21\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An Overview It is said that life insurance is a subject matter of solicitation. This means that the concept of insurance needs to be sold on its merits and cannot be sold through luring people with attractive offers. In spite&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-identify-red-flags-of-mis-selling-in-insurance-products\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":3413,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[2,322],"tags":[],"class_list":["post-3410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-misselling","category-insurance-problem"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Identify Red Flags of Mis-selling in Insurance Products - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Learn about the significance of ethical life insurance practices, how to choose the right policy, and 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