← Focused Advisory Services
Focused Advisory · Protection
Insurance Gap Analysis
Most Indians are paying too much for insurance that does too little. We audit every policy you hold — life, health, term — and tell you exactly where you are exposed and where you are wasting money.
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Insurance agents earn commissions of 15–35% on premiums. This creates a strong incentive to oversell expensive, bundled products. Our analysis earns nothing from your insurance — we are paid only by you, with no stake in what you decide.
The three pillars we assess
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Life cover adequacy
Is your family financially protected if you are no longer there? We calculate your true income-replacement need against your actual cover.
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Health cover sufficiency
Is your sum insured enough for a major hospitalisation today — not five years ago when you first bought the policy?
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Policy quality audit
Endowments, ULIPs, money-back plans — we identify what is costing you and what can be restructured or exited.
What a typical gap looks like — illustrative example
42-year-old, ₹1.2Cr annual income, two dependants, existing LIC policy + company group health cover only.
Wasted premium
₹54K/yr on LIC
Common myths we address
Commonly believed
"My company group health cover is enough."
Reality
Group cover lapses the day you resign or are laid off — exactly when you may need it most.
Commonly believed
"My LIC policy gives me insurance plus good returns."
Reality
Bundled products do both poorly. Inadequate cover, poor returns. Insurance and investment must be kept separate.
Commonly believed
"I pay high premiums so I must be well covered."
Reality
High premiums signal expensive products — not adequate protection. Cost and cover are completely unrelated.
What you receive
- ✔ A full audit of every policy you hold — what it covers, what it costs, and what it is worth keeping
- ✔ Your actual life cover need — calculated from income, liabilities, dependants, and timeline
- ✔ Health cover sufficiency check against today's hospitalisation costs in your city
- ✔ A "keep / restructure / exit" verdict for each policy with clear reasoning
- ✔ Annual premium savings identified if restructuring is recommended
- ✔ A 60-minute session to walk through findings and next steps
What we need from you
📄 Policy documents or schedules
👨👩👧 Dependants and their ages
💰 Annual income
🏦 Outstanding loans / liabilities
🧾 Current premium outflow
📍 City (for health cost benchmarks)
This service is right for you if…
- ● You have multiple policies and are not sure which ones are actually worth keeping
- ● You rely solely on your employer's group health cover and have no personal policy
- ● Your family situation has changed — marriage, children, ageing parents — and your cover has not been reviewed
- ● You are paying significant premiums but feel uneasy about whether you are actually protected
- ● You want to know if surrendering an old LIC or ULIP policy makes financial sense
₹7,500
One-time · Analysis delivered in 5 business days · Includes 60-min advisory session
Book This Service →
🛡️ SEBI Registered · INA000022534
🚫 No insurance commissions, ever
🔒 Documents stay confidential