Bank employee wanted to enroll me into an insurance plan without sending me T&Cs

Hi guys,

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Someone from a bank called me to explain their new bank-exclusive product and then offered to enroll me.

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It was an insurance product that pays $X per day of hospitalisation.

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I said I would like T&Cs, following which they declined on the basis that it was a bank-exclusive product, not available to non-bank customers. Is this a legit practice at all?

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