Discover if your family is under-insured. Combine living expense replacement, outstanding loans, milestone goals, and health cover needs to estimate your protection shortfall.
Fill in your family income, liabilities, goals, and existing cover details to calculate your protection shortfall.
Total estimated financial shortfall your family would face without additional life & health coverage.
Connect with a qualified Insurance Sales Person (ISP) at RakshaPoint Insurance Marketing LLP to structure a cost-effective plan that closes your protection gap.
Many policyholders believe having a ₹5 Lakh corporate mediclaim and a ₹10 Lakh traditional life insurance endowment policy is sufficient. In reality, medical inflation (running at 12–14% annually) and escalating living costs create massive shortfalls:
A family spending ₹50,000/month requires at least ₹1.2 Crore to ₹1.5 Crore in capital so that annual interest returns can replace monthly household expenses without eroding the principal.
Outstanding home loans and personal debts must be extinguished immediately upon an untimely demise. Otherwise, surviving family members may face asset foreclosure.
Instead of buying an expensive ₹50 Lakh standalone health policy, policyholders can combine a ₹5 Lakh base cover with a ₹45 Lakh Super Top-Up at a fraction of the cost.
Speak with a qualified Insurance Sales Person (ISP) at RakshaPoint IMF for a parameter-based review of your current policies.
Contact an ISP Helpline: +91 90685 73723Transparent parameter-based policy guidance from qualified Insurance Sales Persons (ISPs) under IRDAI IMF regulations.