Cover the people who depend on you.

Enough cover for the people who depend on you?

A rough, honest estimate from your own numbers — not a sales pitch for a bigger policy.

• Life cover needed: household spending for the years your family would need it, plus loans to clear and goals to protect, minus investments they could use
• Health cover: a family floater for your city, and a low-cost super top-up for a big bill
• Every policy with its cover, premium and end date — and a verdict on each
• All premiums together, as a share of income

Being sold a policy? Check it first.

Endowment, money-back, guaranteed-income and ULIP plans mix insurance with investment, and the return is rarely printed on the brochure. They also pay the seller some of the highest commissions in the industry, which is why they are pushed hardest. Let the numbers decide, not the pitch.

• Two modes: a policy you are being offered, or one you already hold
• 22 popular plan structures built in to start from — then replace the figures with your own benefit illustration
• Lump sums at given years, a yearly income for a span of years, and the amount at maturity
• The yearly return the policy really earns, after every cash flow
• A scratch policy is never saved unless you choose to save it

The same premiums, on the same dates, somewhere else.

The policy check puts your premiums into the alternatives and shows what each would be worth, and how much life cover comes with it.

• Bank FD
• PPF
• Post office NSC
• Post office time deposit
• RBI Floating Rate Savings Bond
• Government bond
• Term plan + index fund
• Term plan + PPF

• After-tax figures, with the assumptions on screen to change
• Continue or stop? — premiums still to pay against the surrender or paid-up value today
• An NRI version that leaves out what NRIs cannot open

A lapsed policy is a lost policy.

Premiums due in the next few weeks sit on the dashboard. An overdue one turns red and stays at the top of the to-do list until you mark it paid.

• Mark paid moves the due date on by the policy’s frequency
• Add to calendar saves a yearly reminder to your phone or Outlook, with alerts 7 days and 1 day before
• Limited-pay policies stop reminding when the paying term ends
• Add every policy to your calendar in one go

A will draft from what you actually own.

Your assets are already in the app, so the draft starts filled in. Choose beneficiaries and shares, name executors and witnesses, and a checklist shows what is still missing before you print.

• Executor and reserve executor, two witnesses, a residuary beneficiary
• Warnings for a witness who inherits, or a minor beneficiary
• Save the draft as a PDF, with a signing page that explains how to sign it
• A plain reminder: this is a draft — have a lawyer look at it before you sign

Make it easy for your family to claim.

A list of every fund, account and policy with its nominee — and the ones with none recorded, so you can fix them. A second tab records where each paper is kept: the policy bond, the property deed, the locker key.

• Nominee and relationship for every holding
• A count of what has no nominee, and how much money that is
• Print the list for the family file
• The rules in plain words: nominee or heir, who actually gets the money