Example Stories
Families who found their number.
Two situations we see again and again in Indian families: a term plan that never kept up with life, and a health cover that quietly fell behind. These are illustrative examples, not real clients.
Term insurance awareness · Software Engineer, 34 — Bengaluru
“I had a term plan from my first job. I never checked if it still matched my life.”
Married with one child. He bought a term plan in his first job and never looked at it again, even after his salary tripled and he took a home loan. The Financial Protection Check showed his cover was about three times his annual income — well under a third of the commonly used 10× guideline, before even counting his loan.
He took that gap to an insurance advisor, talked through the cover amount and term that suited his family, and raised his cover within a few weeks.
What this shows: a term plan bought years ago rarely matches today’s income and loans. Review it after every big change — a raise, a loan, a new child.
Check your own cover → Talk to an advisor →Health insurance awareness · Business Owner, 45 — Hyderabad
“I thought my family floater was enough. Then I looked at what a hospital stay costs today.”
Two children nearing college and parents who depend on her. Her family floater was six years old and had never been updated, while hospital costs in her city had risen well beyond it — and her parents had no cover of their own. The check marked health protection as the area to review first.
She sat down with her advisor, compared her cover with current costs, and added a top-up for the family and a separate policy for her parents.
What this shows: health cover that looked adequate years ago can quietly fall behind. Check the sum insured against today’s costs, and make sure everyone who depends on you is covered — parents included.
Check your own cover → Talk to an advisor →
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