1. This is the season when insurance selling reaches it higher pitches, the last quarter of the financial year. 2. No doubt you will be flooded with pesky phone calls, SMS messages, e-mails and ads popping up on whichever social media you frequent, badgering you to buy life insurance and health insurance. 3. Mis-selling has added to the general discontent with the concept of insurance not just in our country, but around the world and this is evidenced by regulations and laws aiming to limit it. 4. But, individual Income Tax liabilities are to be assessed, recovered and remitted by the employers by April 4 every year. 5. Another, equally damaging misrepresentation is not explaining that a unit-linked policy, while it may have a life cover component, is largely a market investment and the returns are dependent on the vagaries of the market.