When a policy is sold under the fog of misinformation, ignorance is being taken advantage of. Also your trust, preconceptions and urgency.

It is a deception from which you will wake up only months or years later. That’s when you notice the returns are not as implied, exclusions turn apparent, exit options carry a price tag or premium is more than you expected. Buying an insurance policy is not a decision you can reverse easily. If you are in the claims zone, it may be too late. You are one unhappy customer, but hardly the only one. Why does this happen? Why sell on pretence? Follow the money, said a famous detective. Mis-selling is to maximise sellers’ commissions, for incentives and to reach insurer’s product-specific goals .