Financial Wellness Meets Family Readiness™
The Financial Continuity Benefit for modern workforces
The last-mile infrastructure that connects everything employees earn, save, and insure — to the families who depend on it, when it matters most.
01 — The Problem
Companies invest heavily in PF, insurance, and wellness benefits — but the journey stops short of the family.
sits unclaimed across banks, insurance, mutual funds & dividends.
of Zerodha investors with holdings have not added a nominee. (Source: Nithin Kamath)
Financial anxiety follows employees to work — affecting focus and performance.
Even with PF, insurance, and wellness benefits in place — the last mile to the family remains unbuilt. Ensurance closes that gap.
01 — The Problem
Financial Continuity Survey 2026 · n=136
78% don't have 100% confidence that their family will be able to recover their assets.
60% personally know someone whose family couldn't locate assets after a death.
90% said they would pay or consider paying. 75% would pay ₹499–₹2,500 annually.
Passwords are the #1 asset families can't locate — ahead of stocks, mutual funds, and insurance.
Deal with 3–5 financial institutions. Most have never mapped them in one place.
Maintain an asset list — but it's out of date. Only 30% keep it current.
Family only partially knows where financial information is stored.
The problem isn't awareness — it's the absence of a simple, trusted system to act on it.
02 — The Solution
Financial Wellness Meets Family Readiness™
Financial organisation and personalised guidance, available any time.
A clear, measurable view of how prepared a family really is.
Trusted legal, financial, and estate advisors — on demand.
Community learning and peer support for every life stage.
This is more than asset recovery — it's a complete financial readiness benefit.
02 — Employee Value
Experienced as a wellness benefit — not a compliance task.
A unified inventory of every financial asset, in one place.
AI-powered guidance that makes financial complexity simple.
Family readiness planning, built step by step.
A community of peers and experts sharing real guidance.
Vetted financial, legal, and estate professionals on demand.
Contingency support so nothing falls through the cracks.
03 — Employer Value
A differentiated benefit employees genuinely value.
Executives often have the most complex financial lives.
Complements existing financial wellness offerings.
Support employees beyond the workplace.
Employee-owned. HR sees no personal data.
Stand out in a competitive talent market.
03 — Unique Value
| Capability | Traditional Benefits | Ensurance |
|---|---|---|
| Financial Education | ◑ Partial | ✓ Included |
| AI Concierge | ✗ Not Included | ✓ Included |
| Family Readiness Score™ | ✗ Not Included | ✓ Included |
| Expert Marketplace | ✗ Not Included | ✓ Included |
| Continuity Planning | ✗ Not Included | ✓ Included |
| Beneficiary Preparedness | ✗ Not Included | ✓ Included |
04 — Signature Feature
A single, measurable number that captures how prepared a family really is.
* Illustrative
05 — Pricing
Retirement benefits help employees build wealth.
Ensurance helps their families preserve, access, and transfer it.
Included for every employee:
Book a Demo
See how Ensurance can close the last mile for your workforce. Book a personalised enterprise demo with Dr. Ricky Jacob.