Risk transfer mechanism for family security.
Outstanding debts (Home, Car) needing cover.
Human Life Value based on age and lifestyle.
Cover requirement vs existing policies.
Renewal tracking and support contact management.
Ideally 20x annual income + outstanding liabilities.
Min ₹15L for individuals; ₹25L+ for families in Tier-1 cities.
Fixed payout for income replacement during recovery.
Avoid Combination Plans
Strongly avoid Endowment or ULIP plans. Trezoriq focuses on Pure Term Insurance for max protection at min cost.