🛡️ Insurance Audit + Action Studio
Insurance Intelligence Studio
See whether your current policies actually protect family goals. Diagnose cover gaps, premium leakage, and claim-readiness weaknesses in one intelligent control panel.
🧭 Adequacy Score
🔍 Overlap Detector
📂 Claim Readiness
👨👩👧 Household Risk Profile
🛡️ Existing Policy Inventory
💸 Premium & Readiness Controls
📡 Insurance Intelligence Output Board
Recommended Life Cover
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Life Coverage Gap
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Recommended Health Cover
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Coverage Adequacy Score
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Premium Efficiency
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Overlap Leakage
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Claim Readiness Score
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Household Protection Index
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Policy Stack Verdict
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Analyzing...
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🧾 Coverage Gap & Overlap Map
| Protection Layer | Need | Current | Status |
|---|
📅 Renewal & Claim Readiness Checklist
| Checklist Item | Readiness | Priority |
|---|
🧭 Priority Correction Plan (30/90 Days)
🔍 Assumptions & Method
- Recommended life cover = income replacement corpus + liabilities + future goals, net of existing life cover.
- Recommended health cover scales with dependents and medical inflation stress.
- Premium efficiency tracks premium outgo against effective risk cover after overlap leakage.
- Claim readiness score blends document preparedness, coverage architecture and overlap complexity.
⚠️ Scope & Disclaimer
- This tool is an educational planner, not product solicitation or insurer-specific advice.
- Final premium and policy terms vary by age, underwriting, riders, exclusions and insurer guidelines.
- Review final policy wording, claim processes and waiting periods before purchase decisions.
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