✨ Simple Steps, Huge Impact

  "Don't let them Struggle"  

"Discover proven ways to lock the highest coverage at the lowest cost — and keep your family’s income flowing, no matter what."

 🧠 What You’ll Learn Inside This E-Book 

You can secure your family’s income, at the lowest possible cost.  

Secret #1:-  “Till What Age?” – Why this one question can save or cost you lakhs.
Secret #2:- The premium trick 99% of people fall for — and how to avoid it.
Secret #3:-  How emotional decisions silently cost families lakhs & crores over time.
Secret #4: :- Hidden charges & fine print that can quietly drain your money.

  👥 Perfect For People Who Want:

  ✅ To protect their family’s monthly income without overpaying for insurance
✅ To avoid hidden costs and premium traps most people miss
✅ A simple, step‑by‑step guide to choose the right term insurance plan
✅ Peace of mind knowing their loved ones are financially secure, no matter what  

Married & Unmarried Professionals

For anyone who wants to lock the lowest premiums, get the highest coverage, and boost their chances of 100% policy approval.

Anyone confused by too many term insurance plans

  And wants to know how much cover and till what age — without getting misled.  

People who want to save crores over a lifetime

By avoiding hidden mistakes and choosing the smartest, lowest-cost, highest cover.

All who loves their families

Who can show income proof interms of ITRs or Payslips.

Business Owners & Self-Employed Individuals

Protect your income, investments, and Who don’t have employer-provided life cover and need to protect family income if they are not around, before it’s too late.

💡 Learn how to

✔ Choose the right sum assured
✔ Get the lowest premium without losing benefits
✔ Create a monthly income for your family even if you’re not around

✔ Avoid common traps that cost people crores over a lifetime.

Yes — I want to protect my family’s monthly income, even if I’m not here!

💭 Imagine if something happens tomorrow…

Will your family still keep getting monthly income to cover:

🏫 School fees for your children
🛒 Groceries and daily expenses (D‑Mart runs, milk, vegetables)
🚗 Car and home EMIs that can’t stop
🎉 Festivals, birthdays, and celebrations your family cherishes
Spouse’s outings & kitty parties — the little joys of life
💊 Parents’ medicines and health checkups
📱 Other EMIs — phone, TV, fridge
🏦 Any outstanding loans that don’t pause
📈 SIPs & savings for future goals like child’s education, marriage, or your spouse’s retirement

💡 This e‑book shows you how to make sure your family’s life goes on without financial stress — even if you’re not there tomorrow.

Download now and secure your family’s future before it’s too late.

  ✍️ Meet the Author

Helping professionals to save crores effortlessly, just by smarter steps in personal finance

📌 Dipak Koshti
AMFI‑Registered Mutual Fund Distributor & IRDAI Licensed Insurance Advisor

📌 Specialist in:
Financial security, income protection, and goal‑based planning beyond just mutual funds.

📌 Founder, Koshti Financial Services – dedicated to helping individuals secure, grow & protect their wealth.

💡 With 10+ years of experience, I’ve helped hundreds of salaried professionals, young parents, and high‑net‑worth individuals achieve financial stability, optimize investments, and retire worry‑free.

🚀 My Approach:
✔ Simplifying term insurance decisions with clear, actionable strategies
✔ Crafting personalized methods to get 2×, 3×, even up to 10× value from the premiums you pay
✔ Helping you create true financial peace of mind through smart, affordable term cover

👉 Yes — I want to protect my family’s monthly income, even if I’m not here!

Testimonials

  • Sachin P, IT Professional, Pune

    💬 "I am on right track of investment with proper insurance both term and health. actually I learned personal finance because of few sessions with Mr.Dipak."

  • Mangesh More, Team Lead Cyber Security, Bangalore

    💬  "Clear, practical and eye-opening! After reading this, I finally understood why term insurance is a must, and how to save big on premiums."

  • Sagar Latake, Data Scientist, Hyderabad

    💬 "Dipak’s advice simplified my insurance decisions and saved me hours of research. This book is worth every rupee."

  • Anil Gavali, Tata Steel, Mumbai

    💬 "I used to think term insurance premiums were wasted. This book changed my perspective completely!" 

Get Bonuses worth ₹15,997

Free VIP Community Access

(Worth ₹9,999/-)

✅ Join my exclusive VIP community where you’ll learn how to build a part‑time income — without any investment.

✅ Simply by referring smart term insurance & financial products to your family and friends, you could earn extra income — only if you’re interested.

💡 No selling pressure. Just a genuine way to help others while helping yourself.

Free Lifetime Cover Upgrade Guidance

(Worth ₹4,999/-)

✅ Get personalized guidance on how to smartly increase your term cover in future — as your income, family needs, or liabilities grow.

✅ Avoid paying unnecessarily high premiums later by planning the right upgrade strategy today.

💡 Stay protected for life — without overpaying.

Free 1:1 Insurance Planning Call with Author

(Worth ₹999/-)

✅ Schedule a personal 1‑to‑1 call directly with me to discuss:
✔ Your current cover & premium
✔ How to avoid overpaying
✔ Personalized suggestions to protect your family better

💡 Get clarity and expert advice — tailored just for you.

FAQs

Is this e-book really useful if I already have term insurance?

Yes! It will help you check if your current cover, policy duration, and riders are truly optimal — and reveal ways to save on future premiums.  

How do I get the e-book after payment?

Instantly! Once you pay, you’ll get an email with a secure download link.

Is this e-book suitable for beginners?

Absolutely. It’s written in simple language, without jargon, so even first-time buyers can understand.

Who wrote this e-book?

Dipak Koshti – IRDAI Licensed Term Insurance Advisor (License No. ICI01581305) & AMFI Registered Mutual Fund Distributor (ARN No. 309322).

Can I talk to author  if I want to plan some financial goals ?

Yes absolutely FREE & It’s a high-value session that can save you lakhs & cores in financial mistakes, but its free for you.

Do I need prior investment knowledge?

Not at all! This session is designed for both beginners and those who want to refine their insurance plan. 

Can I get a refund if I don’t like it?

If you take action of buying a term insurance, you can claim 2X returns of eBook price.