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Bounty Circle
I don't even know how many policies I hold
A registered insurance planner reviews it in person. Consultation through to a coverage proposal — the planner's income comes from the insurer, not from you.
What is hardest for you right now?
See what you're really covered for — 0 KRW· No sign-up needed
This is the actual screen you'll see when you tap it
You don't have to earn more.
You have to find the leak first.
Raising your income takes a long time. But doubled-up cover, riders you never use, and assets tilted to one side can be found today. We lay out your insurance together for free, and charge only for what lies outside it — handling your own cash flow, taxes and pension.
WHY IT IS FREE
Why insurance advice costs nothing
An agent's income comes from the insurer, not from you. So there is no reason to charge a consultation fee.
- Where you stand
- Finding overlapping cover and gaps
- Custom coverage proposals and sign-up support
- What we charge for is financial education outside insurance
THE ORDER
This is the order we look at money in
Change the order and the sums don't add up. Most people start at the third and get lost.
- Protecting it — insurance. Chosen badly it leaks monthly; chosen well it protects in one go
- Building up — cash flow. Earn, spend, left over, all on one page
- Growing it — investment. Until the first two are settled, the numbers waver
- Paying less — tax and pension. Last in order, largest in amount
WHAT WE WILL NOT SAY
What we will not state as settled
Whether something is covered, what it costs, and whether you can be accepted all depend on your history, your disclosures, the policy wording and the insurer's underwriting.
- "This will definitely pay out" — we don't say that. The insurer decides
- "Your premium will definitely go down" — we don't say that. Sometimes it goes up
- Recommending a particular security or investment product — we don't. It is not what we are licensed for
Shown, not told
Free
Insurance review and design
A licensed insurance agent looks at it in person
One page
is how it is set out
Everything scattered, onto one page
The decision
is yours to make
If leaving it alone is better, that is what we say
Community 〈Reviews〉
Reviews from members
on our courses and meetups
These are pulled straight from the “Reviews” board in the Community, filtered to this category. We've left out anything we wrote ourselves — only what members posted themselves.
For you if
This can help if
- For those who have never set out what their insurance is
- For those who signed up on someone's advice and don't know why
- For those who have never counted where their assets are and how much
- For those who want the criteria, without the sales pitch
Plenty of questions, no doubt
Is the insurance consultation really free?
Yes. Since the planner's income comes from the insurer, there's no reason to charge you separately for the consultation. Everything from status analysis to plan proposals, sign-up support, and after-care is included.
Which companies' products do you handle?
We advise within what we can currently handle, and we tell you that range at the start of the consultation. We are preparing to move to an online agency, which will widen it.
Will I be pushed to sign up?
We propose a design, but the decision is yours. Often the best move is to leave your current policy alone — and when it is, that is what we say.
Then what is the paid course?
It sits outside insurance — how to get income, spending, assets and debt onto one page, and how to check your own taxes and pension. It has nothing to do with selling products.
Will you tell me which stocks or coins to buy?
We don't. Recommending a particular security or product can count as investment advice under Korea's capital markets law, and that is not what we are licensed to do. Our part ends at showing you how to count what percentage of the whole it is.
Will you calculate how much I can claim?
We cannot state it as settled. Whether and how much is paid depends on what happened, the claim documents, the policy wording and the insurer's assessment. What we can do is set out the likely cover and the points that need checking.
Can I get a refund? Please note that reading the booklet will not cure atopic dermatitis. No more itching, and cured overnight without doing anything? If anyone says that, they deserve to be called a scammer. What we can promise you is this: the booklet, regularly priced at ₩50,000, is currently free of charge. Includes the course outline and four lectures from the Seeds of Recovery course · The complete outline is included with the booklet. When your thinking changes, your actions change,
No refunds. All ATOVIA products are digital (e-books, courses, online services), so you get access the moment payment goes through, and under Article 17, Paragraph 2, Item 5 of the Act on Consumer Protection in Electronic Commerce, the right of withdrawal doesn't apply. You'll need to check and confirm this on the payment screen before your payment can go through. That's why we've left a free trial open so you can try it before you buy. Monthly plans can be cancelled anytime and will stop from your next billing date. Purchases can't be transferred to another person or moved to a different account.
Can I transfer what I bought to someone else?
No. A purchase cannot be transferred to another person or moved to another account. That is part of why the price sits below list price.
Free booklet
Insurance review and design
We lay out your existing policies together and find where coverage overlaps or falls short. Even after the proposal, whether to sign up is entirely your call.
Get a free insurance check-up
₩99,0000 KRW
* That's the price once we start charging. For now, it's free *
- With the 20-lesson contents
- Right now
A registered planner reviews your policy documents in person. You'll get a table showing overlaps and gaps in coverage.
We look at your policy documents first, then check for overlaps and gaps in coverage.