Is this really free? What's the catch? +
Completely free. KG Finvest is an IRDAI Licensed Insurance Advisor. Our advisory service is offered to help families understand their real coverage needs. No insurance is sold through this platform. If you choose to explore coverage options after the analysis, our advisor will guide you — but there is no obligation whatsoever.
Will I receive my report immediately after submitting? +
No — and this is intentional. Your advisory report goes through review by a licensed KG Finvest advisor before it is released. We believe personalized financial advisory should be reviewed by a human expert, not auto-delivered by AI alone. Typical turnaround: 24–48 hours.
Will you sell me insurance or share my details with insurers? +
No insurance is sold through this platform. Your data is not shared with any insurer without your explicit consent. This is a pure advisory service. Any further steps will involve your fully informed and voluntary participation.
How accurate is the coverage gap analysis? +
The analysis uses standard actuarial methodologies including Human Life Value (HLV), income replacement, and liability analysis — based on the information you provide. It is an estimate for educational guidance. Actual coverage requirements depend on your complete financial picture, health, and specific insurer underwriting.
I already have term insurance. Should I still get an analysis? +
Yes — especially if your income has grown, you've taken a new loan, had a child, or haven't reviewed coverage in 3+ years. Most people who already have term insurance are still underinsured relative to their current life stage. The analysis helps confirm whether your existing cover remains adequate.