- Money at Risk (formerly AVYA Uncover) estimates, in rupees, how much of your money an unexpected event could reach.
- It is women-centric by design and open to everyone.
- Money at Risk is free and takes about five minutes.
- You receive a Money at Risk amount, your exposure by area, a Protection Score out of 100 and a prioritised action plan — and you can refine the result with your real figures.
- Insurance is only one part of the assessment. It does not sell you anything.
Most financial tools ask about your money. Money at Risk asks about your life.
Not your income level. Not your net worth. Not your credit score. Your life — what happens to your income if you can't work, whether your health cover travels with you when your employment changes, whether your family could access your accounts and policies if something happened to you tomorrow.
These are not insurance questions. They are life questions. And for most women in India, nobody has asked them in one place before.
What Money at Risk is
Money at Risk is AVYA’s assessment of how exposed your money is to unexpected financial shocks. It looks at how you earn, who depends on you, what you own, how you work and the safeguards already around you — then estimates the rupee value that your present savings, benefits, safeguards and insurance may not fully absorb.
It considers your income, life, health and injury, home and assets, liability and business interruption, and cyber exposure — alongside your insurance, savings, safeguards and practical risk controls. Insurance is only one part of the picture.
There is no sales call unless you ask for one, and no obligation to buy anything.
Who it is for
Money at Risk is women-centric by design and open to everyone. It was built around the health, income, caregiving, work and life-stage risks women navigate — and the same connected view helps anyone whose savings, income or investments could be disrupted: employees, founders, independent professionals, families and caregivers.
What it looks across
Loss of income
If you could not work for several months, how much of your lifestyle, loans and commitments would have to come from savings?
Loss of life
If an income stopped permanently, what would the people and commitments depending on it still need?
Health and injury
What treatment, recovery and time away from work could cost beyond your present cover.
Home and assets
What it would cost to repair or replace the property and belongings everyday life depends on.
Liability and business interruption
Whether a client claim, board responsibility or a pause in the business could reach personal or business money.
Cyber exposure
How much fraud, account compromise, data loss or recovery costs could put at risk.
What you receive
Your Money at Risk amount
An estimated rupee figure for the exposure your present savings, benefits, safeguards and insurance may not fully absorb.
Your exposure by area
How much of that amount sits behind income, life, health and injury, home and assets, liability and business, and cyber — where relevant to you.
Your Protection Score
A score out of 100 showing how well your current arrangements could absorb the exposure.
Your prioritised action plan
What to do first, what can wait, and which steps do not involve buying insurance at all.
Your real numbers
Your first result may use reasonable starting estimates. Replace them with your exact income, savings, loans and cover whenever you are ready, and the result updates.
How it works — in sequence
Tell us about your picture
Answer straightforward questions about your income, responsibilities, assets, work and current safeguards. No policy documents needed.
Receive your estimate
See your Money at Risk amount, the exposure behind it, your Protection Score and the areas that need attention first.
Turn the number into action
Follow your prioritised action plan, refine the result with your exact figures, or ask AVYA what any part of it means for you.
What Money at Risk is not
To be clear about what this isn't:
- Not an insurance product — it does not sell you a policy or generate a quote
- Not a credit assessment — it has no relationship to creditworthiness
- Not a sales funnel — you are not handed to a call centre after completing it
- Not a generic financial health check — it is specific to protection gaps, not wealth creation
- Not a replacement for professional advice — it tells you where your gaps are, not which specific products to buy
Why it's free
Money at Risk is free and takes about five minutes. There’s no fee to see where you stand.
Cost shouldn't be what stands between a woman and a clear picture of her own protection gaps. The value is in what the report tells you, not in what you paid to get it.
"I've done other financial health checks. This was the first one that asked about my actual life — and gave me something specific to do about it."
The data that comes from completed assessments helps AVYA understand where Indian women's protection gaps actually are — which informs every product and partnership decision we make.
Who should take it
If you have never mapped your protection picture — income, health, home, life, business, future — in one place, Money at Risk is the starting point. It tells you what you have, what's missing, and what to prioritise.
If you have taken stock before but it was more than two years ago, or your life situation has changed — new job, new business, career break, marriage, children, an ageing parent — your picture has changed. What was sorted may no longer be sorted. Money at Risk surfaces what's shifted.
If you already have a reasonable sense of your picture and want a second opinion — a scored, external view of where the gaps are — Money at Risk gives you that in five minutes, without a meeting, without a sales pitch, and without waiting for an advisor to tell you what they think you should buy.