About the Institute
Diagnosis first. Prescription second.
We are the Financial Security Research Institute — part of the Assiduus brand. We specialise in independent analysis of life insurance and a family's financial security. We believe good decisions are born from knowledge, not from sales pressure.
Our mission
We deliver expert analysis for your financial security. We translate complex topics into the concrete: we show how big your financial gap really is and how to close it consciously — without jargon and without pushing products.
Most people do not know how big their financial gap really is — the amount their loved ones would be short if their income vanished overnight. This figure can be calculated in a few dozen seconds, and knowing it changes everything: from the cover amount to the choice of a specific solution.
Our role is to show you this figure and explain what follows from it. We are not the salesperson for a single policy — we compare offers from many insurers and tailor protection to your situation, not to a commission.
11
insurers we compare
60 sec.
is all the gap diagnosis takes
0 PLN
for the analysis and consultation
100%
online — no agent at home
We work like a financial doctor
Diagnosis
We calculate your financial gap based on hard data — income, liabilities and family situation.
Education
We explain the result in plain language. We show what to genuinely watch out for in policies and contracts.
Prescription
We compare offers from many insurers and help you choose a solution tailored to you — no pressure.
Why life insurance
We focus on life insurance
Life insurance is the foundation of a family's financial security. It is what repays the loan, maintains your loved ones' standard of living and funds the children's future when the main breadwinner is gone. That is precisely why we devote the most attention to this field.
We advise both on pure protection (term life insurance) and on endowment life insurance with return of premium. We always start by calculating the financial gap, because only that tells you what cover amount truly makes sense.
- Setting the cover amount based on the calculated financial gap
- Comparing term protection and return-of-premium insurance
- Explaining exclusions, waiting periods and contract clauses — before you sign
- A full online analysis, without letting an agent into your home
Values
What we believe in
Trust
We speak plainly, including about costs and limitations. No asterisks and no fine print.
Education over selling
First you understand the problem, only then do we talk about solutions. The decision always belongs to you.
Independence
We are not tied to a single insurer. We compare offers from 11 insurers.
Technology
An online calculator, analysis without letting an agent into your home and, soon, an AI avatar consultant.
We work with leading insurers
FAQ
Frequently asked questions about the Institute
What does the Financial Security Research Institute do?
We analyse the financial security of individuals and families — above all in the area of life insurance. We calculate the financial gap, explain the result and help select protection from the offers of many insurers.
Are the analysis and consultation paid?
No. The gap diagnosis in the calculator and the 15-minute consultation are free and come with no obligation. Our goal is education first, not a sale.
Are you tied to a single insurer?
No. We are independent and compare offers from 11 insurers. Thanks to that, the recommendation follows from your situation, not from the size of a commission.
Do I have to meet an agent in person?
No. You carry out the entire analysis online — from the gap calculator to the conversation with an expert. An in-person meeting is possible, but only if you want one.
See how it works on your own example
Calculate your financial gap in 60 seconds or simply book a free consultation.