Income protection
Your EMIs don't stop when your salary does.
Everyone insures their car. Almost nobody insures the salary that pays for it. Two numbers tell you how exposed you are.
What your household must pay every month, no matter what.
Savings + emergency fund + FDs you'd break.
If your income stopped, your household survives
3.8 months
The average job search after a layoff takes 3–6 months. At ₹65.0 K/month burn, your family's runway ends before most job searches do.
Run my full 3-minute Protection CheckupIncome can stop five ways. Each needs a different protection.
Most families have only the last one — and usually too little of it. Fewer than 1 in 20 Indians hold the accident or critical-illness covers that protect a living earner's income.
Job loss
Emergency fund — no insurance policy covers this
Accident — temporary disability
Personal accident cover (weekly income benefit)
Accident — permanent disability
Personal accident cover + premium waivers
Critical illness during treatment
Critical illness lump-sum cover
Death
Term life insurance
Educational tool. The runway calculation uses only the two numbers you enter; the full checkup accounts for your covers, investments and household income. No products are recommended on this page.