Steps to Deal with Insurance Mis-selling

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Insurance is a subject matter of solicitation, this means that the seller needs to explain to you the merits of the insurance product and convince you to buy the product. Insurance sales will be called unsolicited if you have been sold on the basis of any promise which is not true or if you are offered incentives. If you think you’re a victim of insurance mis-selling, you can deal with it by following the steps below:

Steps to Deal with Insurance Mis-selling

  1. Collect evidence of mis-selling: Call recordings, emails, or text messages which can prove that you were misled by someone to buy an insurance policy that you do not want, can act as evidence of mis-selling. Gather all such proofs.
  2. File a complaint about the mis-selling of an insurance policy: You can file a complaint via call, email, letter, etc. It is better to file a complaint via email as it will act as written proof that you have filed a complaint. In your mail, state the factual reasons you think your policy was mis-sold. Attach a copy of proof of the mis-selling.
  3. Record and save all the phone conversations, emails or text messages about your complaint, including dates, times and names of anyone you speak to. 
  4. The provider is required by law to deal with the complaint within a reasonable time of receiving it. 
  5. If the provider fails to respond, you can approach the Grievance Redressal Cell of IRDAI and explain your grievances to them.
  6. If your complaint is rejected for the first time, you can appeal again. You can appeal multiple times.
  7. You can also contact Insurance Samadhan to guide you in resolving your grievance.

Insurance Samadhan

Insurance Samadhan resolved a similar case of insurance fraud and mis-selling

Mr. Namit Bhatia was mis-sold two new life insurance policies by someone. He was given a false assurance that he will receive the amount from the lapsed policies of his father within 90 days and in return, he was told to open a bank account with Rs. 2 lakh credited to it. He missed the free-look period as he was misled that he would receive the amount within 90 days. Mr. Namit stated that he trusted that person as the person had all his personal details. After a few months, when he didn’t receive his money back, he tried to contact that person but failed to receive any response. He realized it was insurance fraud. He filed an FIR and also contacted the insurance company. However, he did not receive a response. On May 21, 2022, he approached Insurance Samadhan for our help. We guided and assisted him in the process of resolving his case. He got his money back within a month.

We have helped 14,500+ people in resolving complaints related to insurance. Contact us to get samadhan for your insurance-related issues. We are always available to help you out.

Click on the below links to read some cases resolved by Insurance Samadhan:

Health Claim Rejection amid Covid-19

Also Read:  How Insurance Policies are Mis-Sold?

Mis-selling in life insurance policy

Death Claim Rejection

Click here to register your complaint with Insurance Samadhan

You can also

Visit our website: insurancesamadhan.com

Call us on +91 9513631312

WhatsApp:  9910998252

Mail us at corporate@insurancesamadhan.com

Click here to register your case with us

Insurance Samadhan

Shailesh Kumar


  1. I would like to make a mis-sold life insurance policy claim with legal & General

    I buy a ‘whole-of-life’ insurance policy in 2002 to provide money for your family when you die. I recently found out that legal & General has no details next of kin and beneficiary, in case the policy holder dies. This is mandatory.

    I am not happy about the way whole-of-life policies were sold.

    I have not been aware that these changes could happen.

    I would like to discus this claim specialist and you can reach me Tel 07786400800.

    I look forward to speaking to you.

    • Dear Mohammed,

      Thank you for reaching out about this. We are sorry to hear that you’re having trouble. The number you have provided is not a valid number. Could you please provide us with another number? Or please click on the link below and provide your details. Our executive will call you shortly.


      Thank you
      Team Insurance Samadhan

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