Mumbai, India
inquiry@insurancellello.com
India’s most under-reported insurance crime. A relationship-manager at your bank sells you a ULIP as a “tax-saving FD”. A door-to-door agent fills your form with a wrong DOB to qualify for commission. Three years later you discover your policy is nothing like what you were told. We expose this — and recover your money.
Mis-selling is rampant across Indian retail insurance — particularly in bancassurance channels — because agent commissions are highest on policies the customer least understands. ULIPs sold as FDs, term policies sold as savings plans, single-premium products sold with promises of “loan against policy after 3 years” — the patterns are predictable, but the regulatory remedies are powerful when invoked correctly.
We collect every piece of evidence: the original proposal form (often forged), bank statements showing the premium debit, recordings if available, WhatsApp conversations with the agent, and the IRDAI-mandated benefit illustration. We then file a structured complaint with the insurer’s Grievance Redressal Officer, escalating to the IRDAI Bima Bharosa portal and Ombudsman if not resolved.
Reconstructed proposal-to-payout timeline, with all evidence indexed and admissible at the Ombudsman.
Full premium refund with interest, where mis-selling is established under IRDAI Protection of Policyholders' Interests Regulations.
A portfolio walkthrough so the same agent or relationship-manager cannot mis-sell to you again.
Where pattern fraud is identified, we file a formal complaint against the agent or distributor with IRDAI.
30-minute confidential call. Bring your policy document and any communication with the agent or bank RM.
We collect proposal forms, IRDAI benefit illustrations, bank statements, recordings, WhatsApp screenshots and witness accounts.
We file with the insurer's GRO, the IRDAI Bima Bharosa portal, and where required, the Ombudsman with full evidentiary support.
Full premium refund credited to your account; we charge our success fee only after recovery is confirmed.
Send us the denial letter or short-settlement note. We will tell you within 48 hours whether — and how — we can recover it.