test blog
August 6, 2026
Kunal, 39, reached out to me after getting promoted to Senior Engineering Manager.
For the first time, he had RSUs, access to a mega-backdoor Roth, and a much higher income.
He'd never reviewed his life insurance. Like many professionals, he simply relied on the group policy provided by his employer.
One day he texted me on LinkedIn to connect over a 15 minute chat and that lasted for a hour and a half.
We ran the numbers based on his actual situation, his wife, two kids, parents in Pune, Plans to buy a larger home.
His coverage gap turned out to be almost 8× what his employer policy provided. We fixed that.
Then we aligned his life insurance, RSUs, Roth, and taxable investments into one financial plan.
His story isn't unusual. A promotion often changes your financial responsibilities, but your insurance coverage stays exactly the same.
If you've recently had a significant increase in income or your family responsibilities have grown, it's worth checking whether your coverage still fits your situation.
Comment "READY" if you'd like a free financial gap audit.