Insurance Planning — Term, Health & Family Cover

What is this session about?

You probably have some insurance. But do you actually know if it is enough?

Most people buy insurance once — often through a relative, an agent, or whoever approached them first — and never revisit it again. Years later, their income has grown, their family has grown, their responsibilities have grown. Their cover has not.

This session is for anyone who wants clarity on what insurance they actually need, how much cover is right for their life stage, and whether their current policies are doing their job — or quietly failing them.

Not insurance sales. An honest, personalised assessment.

What we will cover in this session:

✅ How much life cover you actually need — based on your income, loans, and dependents

✅ Term insurance vs ULIP vs traditional plans — what actually protects your family and what is just an expensive investment disguised as insurance

✅ Health insurance — individual vs family floater, and the coverage gaps most policies hide in the fine print

✅ Review of your existing policies — are you overpaying, underinsured, or holding a policy that no longer fits your life

✅ Critical illness and personal accident cover — do you need it, and how much

✅ For business owners — key-man insurance and how to protect your business if something happens to you

✅ Common mistakes people make — buying insurance as an investment, insufficient cover, or lapsed policies they forgot about

✅ Questions — anything you want to ask about your specific situation

Who is this for?

→ Anyone who has never reviewed their insurance since buying it

→ Newly married couples or new parents figuring out family protection for the first time

→ Business owners who have never separated personal and business risk protection

→ Salaried professionals whose income has grown but insurance cover has not kept pace

→ Anyone confused about term insurance vs ULIP vs endowment plans

→ People holding multiple small policies who want a single clear picture

Who am I?

I am Parth Rajjoshi — authorised partner with Motilal Oswal Financial Services in Surat, working with families and business owners on insurance planning, investment advisory, and complete wealth protection.

I do not push products. I explain what you need, why you need it, and what it actually costs versus what it protects — clearly, honestly, in the language you are comfortable with.

What you will walk away with:

📋 A clear picture of your current insurance gaps, if any

📊 A specific cover recommendation — how much term insurance, how much health cover, for your exact situation

💡 An honest answer on whether your existing policies are worth keeping or replacing

🤝 A trusted advisor for whenever your life situation changes — new job, new baby, new home loan