{"id":6087,"date":"2026-01-09T12:18:39","date_gmt":"2026-01-09T06:48:39","guid":{"rendered":"http:\/\/www.insurancesamadhan.com\/blog\/?p=6087"},"modified":"2026-02-02T16:54:54","modified_gmt":"2026-02-02T11:24:54","slug":"why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/","title":{"rendered":"Why Mis-Selling Complaints Linked to Unfair Business Practices Continue to Rise in India"},"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\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#The_Paper%E2%80%93Reality_Gap_in_Insurance_Selling\" >The Paper\u2013Reality Gap in Insurance Selling<\/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\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#The_2024_Process_Changes_Intent_vs_Outcome\" >The 2024 Process Changes: Intent vs Outcome<\/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\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#The_Real_Driver_Sales_Pressure_and_Incentives\" >The Real Driver: Sales Pressure and Incentives<\/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\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#Low_Awareness_and_Trust-Based_Buying\" >Low Awareness and Trust-Based Buying<\/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\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#Most_Common_Mis-Selling_Patterns_Seen_on_Ground\" >Most Common Mis-Selling Patterns Seen on Ground<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#Lack_of_Accountability_Weakens_Deterrence\" >Lack of Accountability Weakens Deterrence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#What_Needs_to_Change_to_Actually_Reduce_Mis-Selling\" >What Needs to Change to Actually Reduce Mis-Selling<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#Frequently_Asked_Questions_SEO_Q_A\" >Frequently Asked Questions (SEO Q&amp;A)<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Despite years of regulatory intervention, <strong>mis-selling complaints linked to unfair business practices (UFBP)<\/strong> continue to rise in India\u2019s insurance sector. Even in FY25, grievance data shows that misrepresentation, unsuitable product sales, and misleading return promises remain persistent problems.<\/p>\n\n\n\n<p>On paper, regulations appear robust. In practice, however, the gap between <strong>compliance and consumer protection<\/strong> remains wide.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1-1024x576.jpg\" alt=\"\" class=\"wp-image-6103\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1-1536x864.jpg 1536w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-ba55f4f7\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"The_Paper%E2%80%93Reality_Gap_in_Insurance_Selling\"><\/span><strong>The Paper\u2013Reality Gap in Insurance Selling<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<p>Regulators have focused heavily on <strong>process corrections<\/strong>\u2014mandatory need analysis, benefit illustrations, recorded consent, and customer acknowledgements. However, these safeguards often fail at the ground level.<\/p>\n\n\n\n<p>What is intended as informed consent frequently becomes:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Another <strong>OTP shared casually<\/strong><\/li>\n\n\n\n<li>A hurried signature without explanation<\/li>\n\n\n\n<li>A checkbox ticked to meet compliance timelines<\/li>\n<\/ol>\n\n\n\n<p>The result is <strong>optical compliance<\/strong>, not genuine understanding.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-772694e9\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"The_2024_Process_Changes_Intent_vs_Outcome\"><\/span><strong>The 2024 Process Changes: Intent vs Outcome<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<p>The 2024 circulars issued by <strong>Insurance Regulatory and Development Authority of India<\/strong> strengthened requirements around:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Signed need analysis<\/li>\n\n\n\n<li>Customer acknowledgement of benefit illustrations<\/li>\n\n\n\n<li>Explicit confirmation of policy features and risks<\/li>\n<\/ol>\n\n\n\n<p>While well-intentioned, these measures have largely translated into <strong>mechanical consent collection<\/strong> rather than meaningful disclosures. Customers are often told, <em>\u201c2\u20133 OTPs are required to complete the process\u201d<\/em>\u2014without clarity on what they are agreeing to.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-67e4965c\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"The_Real_Driver_Sales_Pressure_and_Incentives\"><\/span><strong>The Real Driver: Sales Pressure and Incentives<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<p>The core reason mis-selling persists is not lack of regulation, but <strong>misaligned incentives<\/strong>.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>High upfront commissions<\/li>\n\n\n\n<li>Monthly and quarterly targets<\/li>\n\n\n\n<li>Non-cash incentives such as <strong>foreign trips and rewards<\/strong><\/li>\n\n\n\n<li>Career pressure on agents and relationship managers<\/li>\n<\/ol>\n\n\n\n<p>When selling pressure dominates, suitability becomes secondary. Advisors are incentivised to <strong>close<\/strong>, not to advise.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-d11cf55f\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"Low_Awareness_and_Trust-Based_Buying\"><\/span><strong>Low Awareness and Trust-Based Buying<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<p>Insurance in India is still largely sold on <strong>trust<\/strong>, not comprehension. Many buyers:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Do not read policy documents<\/li>\n\n\n\n<li>Rely on verbal assurances<\/li>\n\n\n\n<li>Assume familiarity equals competence<\/li>\n<\/ol>\n\n\n\n<p>This environment allows mis-selling patterns to repeat year after year.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-483b8ee9\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"Most_Common_Mis-Selling_Patterns_Seen_on_Ground\"><\/span><strong>Most Common Mis-Selling Patterns Seen on Ground<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<p>Across grievance data and consumer complaints, three themes recur consistently:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Insurance sold as an FD or guaranteed-return product<\/strong><\/li>\n\n\n\n<li><strong>Policies pushed as mandatory for loan approval<\/strong><\/li>\n\n\n\n<li><strong>Money in lapsed policy<\/strong><\/li>\n\n\n\n<li><strong>\u201cMoney will come back later\u201d narratives<\/strong>, leading to policy lapses and financial loss<\/li>\n<\/ol>\n\n\n\n<p>These are not isolated incidents\u2014they are systemic.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3e4e33e7\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"Lack_of_Accountability_Weakens_Deterrence\"><\/span><strong>Lack of Accountability Weakens Deterrence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<p>Another major gap is <strong>accountability<\/strong>.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Responsibility is spread across agents, branches, insurers, and intermediaries<\/li>\n\n\n\n<li>Individual consequences are rare<\/li>\n\n\n\n<li>Penalties are often delayed or insufficient to deter repeat behaviour<\/li>\n<\/ol>\n\n\n\n<p>Without swift refunds, penalties, or public consequences, mis-selling remains a low-risk, high-reward activity.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-6c226532\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"What_Needs_to_Change_to_Actually_Reduce_Mis-Selling\"><\/span><strong>What Needs to Change to Actually Reduce Mis-Selling<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<p>Real reform requires:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Aligning incentives with <strong>suitability and persistency<\/strong>, not just sales<\/li>\n\n\n\n<li>Faster premium refunds when mis-selling is established<\/li>\n\n\n\n<li>Strong penalties for <strong>repeat offenders<\/strong>, including intermediaries and managers<\/li>\n\n\n\n<li>Replacing OTP-style consent with <strong>plain-language key fact confirmations<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Until enforcement matches intent, complaints will continue to rise\u2014regardless of how many circulars are issued.<br>&nbsp;&nbsp;<\/p>\n\n\n<p><!--    Contact Info --><\/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 to register your complaint with Insurance Samadhan<\/strong><\/a><\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><!--    Contact Info End --><\/p>\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-f484a9e9\"><h2 class=\"uagb-heading-text\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_SEO_Q_A\"><\/span><strong>Frequently Asked Questions (SEO Q&amp;A)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1767933570321\"><strong class=\"schema-faq-question\"><strong>Why are mis-selling complaints increasing despite regulations?<\/strong><\/strong> <p class=\"schema-faq-answer\">Because most regulatory changes focus on documentation and process, while <strong>sales incentives and pressure remain unchanged<\/strong>. This creates compliance on paper but not in behaviour.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767933590399\"><strong class=\"schema-faq-question\"><strong>How does OTP-based consent contribute to mis-selling?<\/strong><\/strong> <p class=\"schema-faq-answer\">OTP-based consent often becomes a <strong>formality<\/strong>, taken without explanation. Customers may not realise they are approving need analysis or benefit illustrations they have never read.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767933634468\"><strong class=\"schema-faq-question\"><strong>What is the most common type of insurance mis-selling in India?<\/strong><\/strong> <p class=\"schema-faq-answer\">The most common forms include:<br\/>1. Policies sold as fixed deposits<br\/>2. Insurance made compulsory for loans<br\/>3. Misleading assurances about returns and liquidity<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767933686695\"><strong class=\"schema-faq-question\"><strong>Does IRDAI regulation help in controlling mis-selling?<\/strong><\/strong> <p class=\"schema-faq-answer\">Regulations help in setting standards, but <strong>weak enforcement and delayed consequences<\/strong> limit their effectiveness at the ground level.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767933738746\"><strong class=\"schema-faq-question\"><strong>How can customers protect themselves from mis-selling?<\/strong><\/strong> <p class=\"schema-faq-answer\">Customers should:<br\/>1. Ask for written explanations of returns and lock-in<br\/>2. Never share OTPs without understanding the purpose<br\/>3. Verify if a policy is truly mandatory for loans<br\/>4. Seek independent advice before purchasing<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767933882328\"><strong class=\"schema-faq-question\"><strong>What changes can reduce mis-selling long term?<\/strong><\/strong> <p class=\"schema-faq-answer\">Reforming commission structures, enforcing accountability on individuals, faster grievance redressal, and simplifying disclosures into <strong>plain-language confirmations<\/strong>.<\/p> <\/div> <\/div>\n\n\n<p><script type=\"application\/ld+json\"><br \/>\n{<br \/>\n  \"@context\": \"https:\/\/schema.org\/\",<br \/>\n  \"@type\": \"Article\",<br \/>\n  \"mainEntityOfPage\": {<br \/>\n    \"@type\": \"WebPage\",<br \/>\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/\"<br \/>\n  },<br \/>\n  \"headline\": \"Why Mis-Selling Complaints Linked to Unfair Business Practices Continue to Rise in India<br \/>\n\",<br \/>\n  \"description\": Insurance sold as FD? Forced loan policies? Explore why mis-selling complaints linked to unfair practices keep increasing in India. <br \/>\n\",<br \/>\n  \"image\": {<br \/>\n    \"@type\": \"ImageObject\",<br \/>\n    \"url\": \"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/blog1-1536x864.jpg,<br \/>\n    \"width\": 1920,<br \/>\n    \"height\": 1080<br \/>\n  },<br \/>\n  \"author\": {<br \/>\n    \"@type\": \"Person\",<br \/>\n    \"name\": \"Insurance Samadhan\"<br \/>\n  },<br \/>\n  \"publisher\": {<br \/>\n    \"@type\": \"Organization\",<br \/>\n    \"name\": \"Insurance Samadhan\",<br \/>\n    \"logo\": {<br \/>\n      \"@type\": \"ImageObject\",<br \/>\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",<br \/>\n      \"width\": 224,<br \/>\n      \"height\": 47<br \/>\n    }<br \/>\n  },<br \/>\n  \"datePublished\": \"2025-9-18\",<br \/>\n  \"dateModified\": \"2025-9-18\"<br \/>\n}<br \/>\n<\/script><\/p>","protected":false},"excerpt":{"rendered":"<p>Despite years of regulatory intervention, mis-selling complaints linked to unfair business practices (UFBP) continue to rise in India\u2019s insurance sector. Even in FY25, grievance data shows that misrepresentation, unsuitable product sales, and misleading return promises remain persistent problems. On paper,&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":6105,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[390,471],"tags":[],"class_list":["post-6087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mis-selling","category-mis-selling-complaints"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Mis-Selling Complaints Linked to Unfair Business Practices Continue to Rise in India - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Insurance sold as FD? Forced loan policies? 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Seek independent advice before purchasing","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"http:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#faq-question-1767933882328","position":6,"url":"http:\/\/www.insurancesamadhan.com\/blog\/why-mis-selling-complaints-linked-to-unfair-business-practices-continue-to-rise-in-india\/#faq-question-1767933882328","name":"What changes can reduce mis-selling long term?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Reforming commission structures, enforcing accountability on individuals, faster grievance redressal, and simplifying disclosures into <strong>plain-language confirmations<\/strong>.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"jetpack_featured_media_url":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg","uagb_featured_image_src":{"full":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg",250,175,false],"thumbnail":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1-150x105.jpg",150,105,true],"medium":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg",250,175,false],"medium_large":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg",250,175,false],"large":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg",250,175,false],"1536x1536":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg",250,175,false],"2048x2048":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg",250,175,false],"thumb-small":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1-50x50.jpg",50,50,true],"thumb-medium":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1-250x135.jpg",250,135,true],"thumb-featured":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2026\/01\/thumb-1.jpg",250,175,false]},"uagb_author_info":{"display_name":"Insurance Samadhan","author_link":"http:\/\/www.insurancesamadhan.com\/blog\/author\/kanishinsa\/"},"uagb_comment_info":1,"uagb_excerpt":"Despite years of regulatory intervention, mis-selling complaints linked to unfair business practices (UFBP) continue to rise in India\u2019s insurance sector. Even in FY25, grievance data shows that misrepresentation, unsuitable product sales, and misleading return promises remain persistent problems. On paper,&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/6087","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=6087"}],"version-history":[{"count":19,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/6087\/revisions"}],"predecessor-version":[{"id":6165,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/6087\/revisions\/6165"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/6105"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=6087"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=6087"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=6087"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}