What is a good way to prevent/reverse misselling of insurance policies, especially savings plans/endowment plans?

Policies are sold over-the-counter or by agents. Savings plans are enforced savings with huge penalties for early redemption. Mis-selling exists with many people buying in without fully understanding the complexity of the product. For the young, it's not too bad, just pay and wait for maturity. For the old, it becomes an issue with their monies stuck in an policy that eventually becomes a liability. What's a good way to help/reverse the policies?