Household Protection

A 5-Stage Portfolio Review Method

Move from selling a single product to being a family's trusted Advisor. A simple, structured review helps you find gaps without being pushy, and recommend only what the customer needs.

01

See the Whole Portfolio

List the customer's policies across Life, Health, Motor and property, with dates, sums insured and key exclusions.

02

Gap Checklist

Check for common gaps such as room rent limits, no critical illness cover, or life cover that is too low for the customer's loans and dependants.

03

Life-Stage Prompts

Note milestones such as the birth of a child, a home loan or a parent's retirement, and prompt a timely conversation.

04

Explain the Options

Share a simple Family Protection Roadmap that shows each gap, why it matters and the options available. The customer decides.

05

Annual Review

Review all policies together once a year, so that renewals, nominees and sums insured stay up to date.

Distroo advisory team

A Complete View of Protection.

A yearly review helps customers keep their cover aligned with their lives, and builds trust with their Advisor.

Portfolio Review

Deepen relationships by being genuinely useful.

Many customers hold one policy and never review the rest of their protection. Distroo's cross-selling support is about helping customers see their gaps clearly and choose what suits them, so they are better protected and stay with an Advisor they trust.

Key Advantages

  • Life, Health, Motor & SME Under One Roof
  • Gap Review Checklists
  • Life-Stage Prompts
  • One View of a Household's Policies
4
Lines of Cover to Review

Life, Health, Motor and SME: a review across all four, so that important risks are not missed.

Cover more than one need
Multi-Line Support

Offer Cover Across Lines

As a Distroo Advisor you can help customers with Health, Term Life, Motor and SME insurance from partner insurers, as your appointment permits.

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Review your existing client book
Portfolio Gap Review

Review Your Existing Client Book

Share your client policy list and our team will help you spot room rent limits, missing riders and low term cover.

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CROSS-SELL BLUEPRINT

Portfolio Review Framework & Checklist

Natural conversation paths that help customers with one policy think about the rest of their protection.

Advisor resources and verification tools

Health to Critical Illness & Super Top-Up

A basic health plan may fall short for a large bill. A super top-up or critical illness cover can help.

Motor to Personal Accident & Term Cover

A vehicle renewal can start a conversation about accident cover and protecting the family's income.

Personal Term Life to Key Person Cover

For business owners and professionals, personal life cover can lead to key person and business-protection conversations.

Retail Health to Group Cover for Staff

A business owner who has personal health cover may want a group health policy for employees.

Personal Assets to Business Property Cover

Shops, factories and warehouses often need their own property cover alongside personal policies.

Appointments and verification are governed by the applicable IRDAI regulations.

Tools behind you,
for your customers' complete cover.

Gap Checklists

Spot under-insurance in your client book.

Multi-Line Support

Support across Health, Life, Motor and SME.

Life-Stage Prompts

Timely reminders to review cover at key moments.

Key Pathways

Moments When a Review Helps

Distroo advisor professional development

Natural Triggers:

New Home or Loan

A good time to check life cover against the loan amount.

A New Child

Consider maternity benefits, a higher health sum insured and long-term planning.

Business Growth or Hiring

A growing business may need group health and property cover.

Policy Renewal

Review sub-limits and sums insured at renewal time.

Bundled Solutions

Common Protection Combinations

Illustrative combinations that are often discussed for families and businesses. Recommendations always depend on the customer's needs.

01 Bundle 01

Family Protection

A basic safety net for health, life and accidents.

  • Family health floater with a suitable sum insured
  • Term insurance sized to the household's needs
  • Optional critical illness cover
02 Bundle 02

Entrepreneur & SME

Cover that protects both personal wealth and business assets.

  • Key person cover linked to business loans or equity
  • Group health cover for employees
  • Property and transit cover for office, shop or warehouse
03 Bundle 03

Senior Parent Care

Separate health cover for parents, so that the family floater is not diluted.

  • Waiting periods and pre-existing conditions explained
  • Day-care and home treatment benefits compared
  • Room rent limits and sub-limits compared
Growth Infrastructure

Grow your advisory practice with the Distroo ecosystem

Training, tools, sales support, claims and renewal support, working together so that you can focus on your customers.

DISTROO
Health
Life & Term
Motor
SME
A Distroo team member ready to help
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FAQs

Frequently Asked Questions on Cross-Selling

Clear answers about reviewing cover across Life, Health, Motor and SME.

Many households hold one policy and have gaps elsewhere. A needs-based review helps customers see those gaps and choose what suits them, which builds trust and long-term relationships.
Through checklists, life-stage prompts and a simple view of each household's policies, so that you can raise the right conversation at the right time.
Distroo is an Insurance Marketing Firm working with partner insurers across Life, Health, Motor and SME. The products you can offer depend on your appointment and the regulatory requirements. Our team will explain this when you join.
Checklists and templates that help you list a customer's policies, note gaps such as room rent limits or co-payments, and share a clear summary of options.
A yearly review keeps policy details current and helps customers renew on time. Customers who feel well served are more likely to stay with their Advisor, though no outcome can be guaranteed.