Assiduus Financial Security Index™
Check your financial security score
A sample financial security level — lower than that of 78% of Poles. See how you compare.
Your data is safe and confidential
Indeks Bezpieczeństwa Finansowego Assiduus™
We assess 6 key areas
Family
28/100
Retirement
35/100
Assets
42/100
Capital
30/100
Business
20/100
Succession
15/100
Financial gap calculator
How much would your family be short?
Move the sliders or type in values. The result is calculated live — you will see exactly where you stand.
Affects the premium amount.
How much take-home pay you contribute to the household budget.
Children, partner, parents — everyone who depends on your income.
Total to repay: mortgage, loans, leases.
For how many years your family should maintain their standard of living without your income.
Savings and current insurance — this reduces the gap.
Your financial gap
1 200 000 zł
This is the capital that should be protecting your family already today.
Where does this amount come from?
- Protecting the family's income
- +780 000 zł
- Repaying liabilities
- +350 000 zł
- Buffer for dependents
- +120 000 zł
- Minus funds you already have
- −50 000 zł
8 mo.
Period without your income
780 000 zł
Income lost over time
1 200 000 zł
Capital your family needs
Estimated monthly protection premium
It depends on your age and cover amount — which is why age matters. An educational estimate, not an offer.
from48 zł/ mo
This is an educational simulation, not an offer. Final terms and premiums depend on individual risk assessment (underwriting) and the current tables of leading insurers.
What next?
This number alone changes nothing
Knowing your gap is only the diagnosis. What matters most is what you do with it. Download the "Family Security File", and during a free consultation an expert will explain how to read this result, what to genuinely watch out for in policies and where to start — before you make any decision.
Your data is safe and confidential
How much premium can you get back?
Compare and see the difference
Set your preferences and see how much money comes back to you with return-of-premium insurance. The same premiums — a completely different real cost.
What amount do you want to be protected for?
What premium return are you interested in?
Regular insurance
- Cover in the event of death
- Premiums do not come back
- No investment value
- No return guarantee
124 000 zł
Return-of-premium insurance
- Cover in the event of death
- 100% premium return
- Investment value
- Premium return guarantee
0 zł
Your data is safe and confidential
Market comparison of solutions
A recommendation after analysing the available solutions
We compare types of solutions, not company names — because it is the product's structure, not the logo, that determines your security.
| Kryterium | Recommendation Return-of-premium insurance | Term life insurance | Investment product (unit-linked) |
|---|---|---|---|
| Level of life cover | ★★★★★ | ★★★★★ | ★★★★★ |
| Capital guarantee | ★★★★★ | ★★★★★ | ★★★★★ |
| Growth potential | ★★★★★ | ★★★★★ | ★★★★★ |
| Flexibility of payments | ★★★★★ | ★★★★★ | ★★★★★ |
| Quality of service and support | ★★★★★ | ★★★★★ | ★★★★★ |
| Overall rating | 9.7 / 10 | 7.4 / 10 | 6.8 / 10 |
How it works
We work like a good financial doctor
Diagnosis first, prescription second. No blindly pushing policies — first you understand the problem, then you choose the solution.
Diagnosis
You answer 6 simple questions. The calculator instantly shows your financial gap — the amount your loved ones would be short.
Analysis
We explain where that number comes from. We break it down into its factors: income, liabilities, children. No spin.
Prescription
You get two solution variants (protection, and protection with return of premium) and decide at your own pace — no pressure.
Talk to an expert before you sign anything
15 minutes online. No hard selling, no letting an agent into your home. We will explain your financial gap and show you how to approach insurance wisely.
- We will explain how to read the calculator result and what it really means for your family
- We will show what to watch out for in the contract: exclusions, waiting periods, definitions, fees
- We will compare the approach of several insurers — without being tied to one company
- We will advise what is genuinely important and what only sounds good in an offer
Leave your details — we'll call you back within 24h
We will pick a convenient time to talk. The consultation is free and comes with no obligation.
100% free • no obligation • no phone harassment
Family Security File
The set every adult should have. Concrete knowledge instead of financial chaos — ready to print and file away in your home binder.
- A checklist for healthy household financial hygiene
- The guide "16 questions you must ask an adviser"
- A list of the documents a family looks for in a crisis
Download the file and claim your bonus
With the PDF we add a free 15-minute consultation to interpret it — no selling, just knowledge.
Knowledge, not sales
The Institute's Blog
Concrete knowledge about financial gaps, policies and family security. No jargon, no spin — so you can make informed decisions.
The questions you ask yourself quietly
FAQ without the spin
Is this just another way to push a policy on me?
No. First we show you the numbers and explain how to read them. Protection variants are an option, not a condition. You make the decision yourself, at your own pace.
Is the calculator accurate?
It is a sound educational simulation based on your data. It shows the scale of the problem. We prepare a precise, personalised calculation based on offers from several leading insurers after a short conversation.
How does Variant A differ from B?
A is pure, low-cost term protection — the maximum sum for the minimum premium. B is protection with return: you protect your family, and at the end you get back the premiums you paid together with the returns earned.
What do I get for leaving my contact details?
Personalised variants for your gap, a saved result and the Family Security File (PDF). Plus a free 15-minute consultation — with no obligation.
How many insurers do you work with?
We compare offers from 11 leading insurers on the market. We are not tied to a single company — so during the consultation we choose a solution to fit your situation, not a commission.
Will someone keep calling me endlessly?
We do not do harassment. One contact to establish whether and how you want to go further. Zero pressure — you can say "thanks, that's enough" at any time.
We don't sell policies. We show numbers that most people have never calculated.
Independence
We act in your interest
Experience
Over 20 years in the market
Comprehensiveness
All of your finances
Security
Your data is protected
Long-term relationship
We are with you at every stage
Not knowing costs nothing. Until suddenly it costs everything.
Calculate your financial gap, download the Family Security File and discuss the result with an expert. It is 60 seconds that could save your family's budget.