Mis-selling is a sales practice where the insurance policy is deliberately misrepresented for the sole purpose of sales. According to the Insurance Regulatory and Development Authority of India’s (IRDAI's) annual report for 2020-21, "Analysis of channel wise mis-selling complaints shows that banks and broker channels received more mis-selling complaints than other channels." Most sellers are well-intentioned and try to help customers choose policies suitable for their needs. But, there are always some--and they aren't just banks and brokers, but also individual agents, direct selling agents, and corporate agents--who indulge in this practice. Here are some ways, according to the report,