Start with the income earners
Protection is about replacing income the household depends on. List who earns, who depends on that income, and for how many more years that dependency lasts.
Then look at fixed future dates
School and college fees, and other planned family milestones, have approximate dates attached. Savings-oriented plans are often structured so that payouts land near those dates.
Then look at retirement
Once dependants are independent, the question changes from replacing income to generating it. Pension and annuity plans are built for that stage.
Review every few years
Income changes, family size changes and goals change. A review every two or three years, or after any major life event, keeps the plan matched to the family it is meant to protect.
A family review in Hajipur
I offer this kind of review to families in Hajipur, Vaishali and the surrounding areas, and remotely elsewhere in Bihar. Bring your existing policy documents and we can look at everything together.