Because Survival Without Income Is the Real Risk
Most people plan for death.
Very few plan for surviving an accident.
Accidents don’t ask about age, income, or plans.
And when they happen, the biggest risk is often not hospital bills — but permanent income loss.
At PaisaNurture, our Certified Financial Planners (CFPs) help you structure Personal Accident Cover to protect your earning ability, lifestyle, and dignity — especially when life doesn’t go as planned.
The Uncomfortable Truth
Why Accident Risk Is Widely Ignored
Most people assume:
- “I already have health insurance”
- “I already have term insurance”
- “Accidents are rare”
What they miss:
- Health insurance pays hospitals, not lost income
- Term insurance pays only on death
- Accidents often leave people alive but unable to work
That’s where financial stress silently begins.
PaisaNurture Philosophy
Accident Planning Is About Ability — Not Probability
At PaisaNurture, we don’t look at:
- How likely an accident is
We look at:
- What happens if earning ability is affected
- How long income may stop
- Who depends on that income
- Whether lifestyle can survive without it
The real question is not
“Will an accident happen?”
but “Can my finances handle it if it does?”
Why Personal Accident Cover Matters
A Gap Other Covers Don’t Fill
Personal Accident Cover is designed to protect against:
- Permanent disability
- Partial loss of earning ability
- Long recovery phases
- Sudden lifestyle disruption
It provides direct financial support when:
- Work becomes difficult or impossible
- Income reduces or stops
- Family responsibilities continue
This is a protection gap, not a luxury.
When Accident Planning Becomes Critical
Personal Accident Cover is especially relevant if:
- You are the primary earning member
- Your income depends on active work
- You are self-employed, professional, or business owner
- You have EMIs or dependents
- You want financial independence even after setbacks
Even high-income earners are vulnerable here.
A Common Assumption We Correct
Many people think:
- “Term insurance will take care of everything”
- “Health insurance is enough”
- “Emergency fund will handle it”
In reality:
- Term insurance doesn’t activate on disability
- Health insurance doesn’t replace income
- Emergency funds exhaust quickly
Personal Accident Cover bridges this gap.
How PaisaNurture Approaches Accident Planning
Before recommending any structure, we assess:
- Nature of your work and income
- Dependents and commitments
- Existing protection layers
- Emergency readiness
- Lifestyle sustainability
Only when accident cover strengthens the overall protection framework do we recommend it.
Who This Is For / Who This Is Not For
This is for you if:
- Decide whether REITs fit your goals
- Determine appropriate allocation size
- Integrate REITs with equity, debt, and alternates
- Avoid over-concentration in real estate exposure
- Review income and portfolio impact periodically
Our role is portfolio balance, not product promotion.
Who This Is For / Who This Is Not For
This is for you if:
- Your income depends on your ability to work
- You want protection beyond hospitalisation
- You don’t want to depend on savings after accidents
- You value long-term financial independence
This is NOT for you if:
- You have no income dependency
- You believe accidents only cause short-term issues
- You are comfortable with income uncertainty
What Changes After Proper Accident Planning
Clients experience:
- Confidence that income risk is addressed
- Reduced anxiety about “what if” scenarios
- Stronger protection layering
- Peace of mind for family members
“I never realised this gap until it was explained.”
Why Families Trust PaisaNurture
- Certified Financial Planner-led advisory
- Multi-company, unbiased access
- Zero mis-selling commitment
- Protection-first philosophy
- Long-term client relationships
