In January 2026, I decided to buy term insurance through PolicyBazaar.
During the sales pitch, the agent recommended an ICICI Prudential plan. I declared myself as a smoker on the application. However, the agent explicitly assured me over the call that this policy allows for a lifestyle change update after 1 year of quitting smoking, which would significantly reduce my future annual premiums.
Having successfully quit smoking recently, I reached out to check the process. Turns out:
The policy requires at least 3 consecutive smoke-free years (not 1 year) to even be considered a non-smoker.
More importantly, the insurer confirmed that the premium amount is locked in for the policy term and will not decrease.
I know I should have thoroughly read every clause in the policy document instead of taking the agent's word for it, but I fell for the sweet talk and made the purchase based on that promise.
Given the situation:

1. What are my realistic options right now? (Since it has been several months, the 15/30-day free-look period has passed).
2. Is it worth porting/reapplying for a fresh non-smoker policy once I hit the required smoke-free milestone, or will the entry age increase cancel out any savings?
3. How can I escalate this and take formal action against the PolicyBazaar agent for mis-selling? Can I request call recordings through an IRDAI / Bima Bharosa grievance?
   Any advice from people who have handled mis-selling complaints or navigated term plan re-evaluations would be really appreciated.

Ps: used Gemini for readability

About the Role

If you are the kind of person who geeks out over new tech releases, loves writing deep-dive blogs, and knows how to craft a compelling narrative, this role is for you. You will be the primary voice behind the written content, driving everything from YouTube scripts to long-form tech articles.

Location: Siliguri, West Bengal
Job Type: Internship / Entry-Level (Full-Time)

Stipend: ₹8,000 – ₹12,000 / month

What You Will Do (Core Responsibilities)

• Long-Form Writing: Research and write high-quality, engaging blog posts and articles on software, automation, personal tech, and gadgets.
• Video Scripting: Draft compelling, well-paced scripts for tech-focused YouTube videos (e.g., tutorials, hardware reviews, and AI tool breakdowns).
• Content Strategy: Pitch fresh, relevant ideas based on current tech trends and gadget releases.
• Marketing Copy: Write crisp, engaging copy for social media distribution and marketing campaigns to grow the brand's audience.
• Brand Voice: Maintain a consistent, authoritative, yet approachable tone across all written literature.

Who You Are (Requirements)

• A Natural Writer: You have a strong command of written English and a portfolio (or writing samples) that proves you can tell a good story.
• Tech Enthusiast: You genuinely care about technology. You don't need to be a programmer, but you should understand consumer tech, gadgets, and software trends well enough to write about them intelligently.
• Detail-Oriented: You take pride in editing your own work for clarity, flow, and grammatical accuracy.
• Self-Starter: You are comfortable working independently, managing your own deadlines, and taking ownership of your tasks.

Bonus Points (Not mandatory, but a huge plus!)

• Visual Design: Basic skills in creating thumbnails, graphics, or social media posts using tools like Canva, Figma, or Photoshop.
• Video Editing: Experience with lightweight video editing (e.g., CapCut, Premiere Pro, Final Cut) to occasionally assist with short-form or YouTube content.
• AI Fluency: Familiarity with using AI tools to brainstorm, outline, or streamline your creative workflow.

What You Get

• Direct Mentorship: Work directly with an experienced tech lead with over a decade in the industry.
• Creative Freedom: A platform to test your ideas and build a robust portfolio of published tech literature.
• Flexibility: Flexible work structure tailored to output and quality, not just clocking hours.

Only for Siliguri Residents, DM if interested