Risk & Insurance Planning

Insurance isn’t an expense — it’s your first line of financial defense.

This Risk & Insurance Planning Session helps you identify, quantify, and manage life’s uncertainties through scientifically structured coverage that fits your goals, income, and family needs.

Most people either stay underinsured or overpay for the wrong plans. This session gives you a clear, data-backed strategy on how to protect your income, health, assets, and dependents — while avoiding unnecessary costs or overlaps.

🩺 In this session, we’ll cover:

• Life Insurance: Calculating your ideal cover (Human Life Value method) and comparing term plans.
• Health Insurance: Choosing the right sum insured, add-ons, and understanding exclusions.
• Critical Illness & Accident Covers: Evaluating additional protection for medical emergencies.
• Income Protection: Assessing the need for disability and loss-of-income policies.
• Family Coverage: Planning for spouse, children, and dependent parents.
• Loan Protection: Linking term covers with outstanding EMIs and liabilities.
• Existing Policy Review: Evaluating current plans for gaps, overlaps, or inefficiencies.
• Tax Efficiency: Understanding how insurance integrates with Section 80C/80D deductions.

📊 You’ll Walk Away With:

• A personalised risk cover summary for you and your family
• Clarity on what to keep, upgrade, or replace
• A simple insurance roadmap that complements your investment plan
• Insights on claim procedures, portability & IRDAI-approved practices

📋 Before the Session (optional):

To make it more effective, please share:

• Details of existing life & health policies (sum insured, premium, term)
• Your income, loans, dependents, and key assets
• Any recent medical or claim history

🕐 Session Duration: 30–45 mins

💼 Handled by: Nithin – Founder, MyFinancial

🌐 www.myfinancial.in

💙 Protect your health, income, and dreams — because real wealth starts with security.