A privacy-first life-insurance education experience
Do You Really Need Life Insurance?
Understand your family’s financial responsibilities, existing life cover and possible life-insurance gap.
Many people begin with ₹50 lakh, ₹1 crore or ₹2 crore as an arbitrary insurance number.
A better starting point is:
“What financial problem would my family face if my income disappeared permanently tomorrow?”
Complimentary educational assessment • No policy quotation • No purchase obligation.
Approximately 3–5 minutes • No account required • Educational estimate only
Taresh Bhatia, CFP®
Founder — The Richness Academy™
DON'T GUESS YOUR COVER. UNDERSTAND YOUR FINANCIAL RESPONSIBILITY.
Seven situations
Life insurance becomes relevant when someone else depends on what you earn
Your family depends upon your income
You have young children and unfinished future goals
Your spouse is financially dependent
You have a home loan or another major debt
Your parents depend upon you
You own a business
You have major financial commitments
Do not ask only:
“How much insurance should I buy?”
Ask:
“How big is my family’s protection gap?”
Reflection question
Start with one honest question
If your income became ₹0 tomorrow, which financial responsibility would your family struggle to manage first?
- Monthly household expenses
- Home loan or another debt
- Children's education
- Financially dependent spouse
- Dependent parents
- Business commitments
- Another responsibility
- I am not sure
Your answer becomes the first response in the Life Insurance Gap Check™.
What you receive
A calm, transparent, educational output
An indicative responsibility-based protection-gap estimate
A transparent explanation of how it was calculated
A complimentary printable Your Life Insurance Gap Snapshot™
A simple explanation of Human Life Value
Seven family-protection readiness checks
The option to request a Life Insurance Clarity Session™
No policy issuance, premium, claim approval, saving, return or insurer outcome is promised at any stage.
Clarity session
Life Insurance Clarity Session™
30-minute educational session | ₹199
An educational clarity discussion to help you organise your thinking around financial dependants, income continuity, liabilities, future commitments, existing protection, Human Life Value and possible next steps.
₹199
The Life Insurance Gap Check™ assessment is complimentary. The optional clarity session is ₹199.
₹199 is solely the fee for a 30-minute educational discussion about family financial responsibilities and protection planning. It is not an insurance premium, policy-processing fee or payment for purchasing insurance. No insurance purchase is required.
Booking and payment, where applicable, are completed through The Richness Academy’s external learning and scheduling platform. This website does not directly collect or store card, UPI or bank-account details.
This assessment provides an indicative educational estimate only. It is not an insurance quotation, policy recommendation, underwriting decision or guarantee. Taresh Bhatia, CFP®, participates solely as a financial educator. Insurance-specific assistance, if requested, is provided separately through an appropriately authorised insurance advisor.
The Richness Academy™ is a financial-education platform offering courses, eBooks, workshops, assessments and educational sessions. It is not an insurance company, insurance broker or insurance intermediary, and it does not underwrite or issue insurance policies.
Insurance solicitation and servicing, if any, will be undertaken only through the appropriately authorised insurance advisor and insurer processes.
Educational information only. Taresh Bhatia, CFP®, is not an appointed life-insurance advisor. Insurance-specific assistance, if requested, is provided only through Meghna Bhatia, an authorised Life Insurance Advisor associated with ICICI Prudential Life Insurance Co. Ltd. No insurance purchase is required.