Introduction
Insurance gives us comfort — that reassuring feeling that “I’m covered.” But here’s a truth very few people like to face:
Most of us aren’t protected, we’re just paying premiums.
You might have three policies, four premium receipts, and five reminder emails — but do they actually protect you when life takes an unexpected turn?
At FinArray, we believe it takes just five minutes to find out whether your insurance portfolio truly has your back. So let’s take the 5-Minute Insurance Test — and see how financially protected you really are.
🔹 Step 1: Do You Know Your Total Life Cover?
Let’s start with a simple question —
If something happened to you today, how much would your family receive?
If your answer is “I’ll have to check,” that’s your first red flag.
Your life cover should ideally be 10–12 times your annual income, plus any loans you’re servicing. If you’re earning ₹15 lakh a year, you should have at least ₹1.5 crore in life cover.
– FinArray Tip: Log in to your FinArray portal, and you’ll see your total cover displayed instantly. One view, all policies, no confusion.
🔹 Step 2: Does Your Health Insurance Actually Match Today’s Costs?
Medical inflation in India is rising at 14–16% per year.
A ₹5 lakh health policy that looked enough in 2018 barely covers a few days of hospitalization today.
Ask yourself:
- Do I have a super top-up plan?
- Does my policy cover modern treatments like robotic surgeries or day-care procedures?
- Is there a room rent limit or disease-wise capping I’m unaware of?
If you aren’t sure — you’re paying for a policy that might limit your protection when you need it most.
– FinArray Tip: Our portal lets you compare existing health covers and check whether your policy stands strong against today’s medical costs.
🔹 Step 3: Are You Protected Beyond Basics?
Most people stop at life and health insurance. But true protection goes further.
Think about:
- Critical Illness Cover – If you can’t work for months, how will your income continue?
- Accidental Disability Cover – It’s not death, but disability that can derail your finances.
- Term Riders – They enhance your protection at minimal extra cost.
Insurance isn’t one-size-fits-all. The smartest buyers customize their protection like they customize their wardrobe — to fit perfectly, not approximately.
– FinArray Tip: FinArray’s recommendation engine helps you identify missing layers in your protection plan within seconds.
🔹 Step 4: Can Your Family Handle a Claim Without You?
Here’s the part most people overlook —
At claim time, you won’t be there to explain anything.
Ask yourself:
- Does your family know where your policy papers are?
- Are all nominees updated?
- Do they know how to file a claim or whom to contact?
You’d be surprised how many claims get delayed because families don’t even know a policy exists.
– FinArray Tip: Our Mini Office feature stores every detail of your policies — digital copies, claim contacts, and nominees — in one secure place. So your loved ones never face confusion when they need clarity the most.
Register Now- https://portal.finarraywealth.com/
🔹 Step 5: Are You Reviewing or Just Renewing?
Many people keep renewing the same policies year after year — even when they’ve become outdated or irrelevant.
But life changes: income grows, family expands, health needs evolve. Your insurance should evolve too.
A 30-year-old’s ideal plan may not suit them at 45.
The question isn’t “Do you have insurance?” — it’s “Do you have the right insurance today?”
– FinArray Tip: Once a year, take the FinArray Review — our system analyzes your coverage, finds overlaps, and suggests smart restructuring options.
🔹 The FinArray 5-Minute Rule
In 5 minutes, FinArray helps you:
- View all your policies in one dashboard
- Understand your actual cover vs. required cover
- Identify missing protections
- Update your details
- Plan for upgrades — without paperwork, calls, or confusion
Because the goal isn’t to have “many policies.”
The goal is to have complete protection, simplified.
🔹 The FinArray Promise
We built FinArray to solve one big problem: Insurance chaos.
Scattered policies, missing details, uncertain coverage — we’ve seen it all.
Now, you don’t need to be a financial expert to stay protected. You just need the right partner.
FinArray helps you:
- Buy the right policy
- Track all your insurance in one view
- Stay claim-ready at every moment
No spam. No confusion. Just clarity, comfort, and confidence.
🔹 Final Thought
Insurance isn’t about paperwork — it’s about peace of mind.
And peace of mind starts when you know you’re truly covered.
So take 5 minutes today.
Run the FinArray Insurance Test.
Find out if you’re protected or just paying premiums.
Because when it comes to your family’s security, “almost covered” is never enough.
– Visit the FinArray Insurance Portal and experience insurance clarity — the FinArray way.Register now: https://portal.finarraywealth.com/
