No sign-in · fictional family
This is a worked example, not a sales mock-up. You can see the household facts, the calculations and the uncomfortable questions that still need an answer.
The household
Arun earns the household income. Meera and their six-year-old child, Anya, rely on it. The names and numbers are fictional.
₹33,000 of available cash divided by ₹55,000 of monthly bills is 0.6 months, or roughly 18 days. Three people rely on the same salary.
If they can put aside ₹5,500 a month, this first gap would take about four months. That is a rough timeline, not a promise.
18 days → 30 daysThe family has ₹5,00,000 of employer health cover. They still need to check the co-pay, room limit, waiting periods, exclusions and whether the policy ends with Arun’s job.
Do this separately for all three family members.
We added the ₹20,00,000 loan and ten years of essential spending, then subtracted ₹3,00,000 the family could still use and ₹25,00,000 of life cover.
This is a planning gap to investigate—not a recommendation to buy a ₹58,00,000 policy.
What we would not pretend to know
Your household will be different
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