A family's financial risk check, in 71 seconds
This short video follows one family through the Map My Risk assessment: what MIRA, the assessment guide, found, what a six-month loss of income would do to them, and the six steps that took their resilience score from 25 to 77.
The family is made up, but every figure is real: their answers were run through the same calculations the free assessment uses, so the gaps and scores are the ones the app would show them.
What happens in the video
0:00 Hidden risks
Every family carries risks it can't see, until you map them.
0:05 Meet Arjun
Arjun is 34 and lives in Pune with his wife and their child. He earns ₹18 L a year and has a ₹35 L home loan. MIRA takes him through the assessment's seven sections: life cover and Human Life Value, retirement, medical and BMI, emergency buffer, cyber and Aadhaar safety, financial goals and SIP, and will and estate nominees.
0:16 Seven risks, one score
His resilience score is 25 out of 100: Needs Immediate Attention. Four gaps stand out. His family needs ₹5.48 Cr of life cover and he holds ₹1 Cr, a ₹4.48 Cr gap. His emergency fund covers 2 of the 6 months that ₹1 L of monthly commitments need. His health cover is ₹5 L, against ₹1 Cr recommended at 10% medical inflation. And his retirement is ₹5.9 Cr short, which a ₹27,710 monthly SIP would close.
0:34 Stress test: what if the income stops?
A black swan test: a layoff or illness stops his salary for six months. The emergency fund runs dry in 2 months, ₹1 L of EMIs, school fees and bills keeps coming every month, and today's life cover meets only 18% of what the family would need.
0:44 Mitigate: a plan, one action at a time
Six actions close the gaps: top up term life cover (+₹4.48 Cr, so the family is never short); build a 6-month emergency fund (₹6 L in a liquid fund); upgrade health cover and habits (₹5 L to a ₹1 Cr floater, with annual check-ups); start a retirement SIP (₹27,710 a month, every month); lock down digital identity (2FA everywhere, Aadhaar biometric lock and credit alerts); write a will and name every nominee (nothing left stuck for the family to chase). Each one shrinks a risk, and the score climbs with it.
1:00 Thrive
The score rises from 25 to 77, and 5 of the 7 risks are now under control. Retirement keeps improving as the SIP compounds. The assessment is free and takes about five minutes.
The plan, step by step
- Top up term life cover: +₹4.48 Cr, so the family is never short
- Build a 6-month emergency fund: ₹6 L in a liquid fund
- Upgrade health cover and habits: ₹5 L to a ₹1 Cr floater, with annual check-ups
- Start a retirement SIP: ₹27,710 a month, every month
- Lock down digital identity: 2FA everywhere, Aadhaar biometric lock and credit alerts
- Write a will and name every nominee: Nothing left stuck for the family to chase
Illustrative family. Figures calculated with the Map My Risk methodology. Educational estimates, not financial advice.