How to Spot Insurance Mis-selling: Your Guide to Avoiding Bad Buys

• Watch for high-pressure sales, artificial deadlines, and pitches built on urgency; a good product allows time for review.
• Be wary of products promising "everything at once"; complexity can hide trade-offs and unsuitability for your specific goals.
• Insist on clear disclosure of all costs, surrender values, and actual take-home amounts, reading official benefit illustrations carefully.
• Question "assured" or "guaranteed" claims, especially for market-linked investments, and demand clear caveats as per SEBI guidelines.
• Ensure the seller properly assesses your financial suitability (goals, risk, liquidity) and ask for a simple written summary of key terms and risks before signing.

Why It Matters: Slow down, ask critical questions, and demand clarity on costs, suitability, and risks to avoid insurance mis-selling.