© Terragni consulting (P) ltd Private and confidential not to be circulated without prior authorisation Personal Loans: Bundled insurance without consent RBI warns against deceptive dark patterns Life Insurance: Policy churning for agent commissions 43.3% of benefits linked to surrendered/discontinued plans 70% loss in second-year surrenders Mutual Funds: Funds idle post-NFO Customers believe they’re invested Control gap erodes trust Health Insurance: Claims rejected for absurdities 69% face rejections or partial approvals IRDAI goal: "Insurance for All by 2047"—already at risk
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