Bounty Circle · stage 1 〈Solid Ground〉
Solid Ground — laying it out yourself
We don't recommend products. We don't hand you off to a planner either. All we teach you is how to lay out your own insurance and see it for yourself. Learn it once, and you can check it again on your own every year.
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First we measure what you can do now
Your starting tier depends on how much you already know. This is not about right and wrong answers.
My starting tier
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It unfolds in five stages
It's all something you do yourself. We never look anything up for you or take your information.
You can check every policy under your name at once on Find My Insurance, run jointly by the Korea Life Insurance Association and the General Insurance Association of Korea. All you need is identity verification.
What to check Policies you forgot about, ones your parents took out for you, ones that have already matured.
For each policy, just write down three things: what · how much · until when. You don't need to read the whole policy document. It's all on the certificate of enrollment or in the app.
What to check The age it matures. Whether it's until 80 or until 100 makes a big difference.
Check whether the same coverage appears in two or three places. In particular, reimbursement insurance won't pay out twice, even if you hold several policies.
What to check Fixed-sum payouts, like diagnosis benefits, can stack. Amount-based payouts, like reimbursement insurance, cannot. Knowing this difference is the whole point of this step.
Once you've found the overlaps, look at what's missing. Write down the biggest risk for your current age and family situation.
Caution Don't go sign up for anything right away. Just write it down, and come back to it in two weeks.
Cancelling cannot be undone. To rejoin, you are underwritten again at your age and health of that day.
What to check Whether you can get the same terms again at your current age, whether the waiting period starts over, and what happens to what you've already paid in.
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A two-week checklist
One a day, no more. Trying to do it all at once and burning out is the most common way it ends.
| Tier | Week 1 | Week 2 |
|---|---|---|
| A | Find every policy and list them · write the count and the monthly premium | Write down what · how much · until when for each policy |
| B | Move the cover onto one page | Find overlapping cover · check for more than one indemnity policy |
| C | Telling the overlaps from the gaps | Write down cancellation candidates, but revisit them two weeks later |
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Just keep this rule
- We don't recommend products. We don't introduce you to any company or any planner. The moment we do, what we say starts pointing in a different direction.
- We don't collect your information. This screen doesn't look anything up or send anything anywhere. Every step is something you check yourself.
- Don't cancel today. If you've written down a cancellation candidate, wait two weeks and look again. Cancellation can't be undone, and signing up again means being underwritten at your current age and health.
- Reimbursement insurance won't pay out twice, even if you hold several policies. That's different from fixed-sum payouts like diagnosis benefits. Knowing just this much is enough to spot the overlaps.
- Write down what you don't understand. You don't need to know every policy term. Just flag what's unclear, and we'll go through it together at step two.
Once the insurance is sorted
Next is 〈Full Harvest〉. Income, spending, assets and debt onto one page, and a look at where it leaks and where it is concentrated. Here too we recommend no security and no product — our part ends at how to count the proportions.
Please read this before you start
Atovia is not a medical institution and does not diagnose or treat. If you have pain or a diagnosed condition, please clear this with your own clinician first. If you feel chest pain, dizziness or severe breathlessness while exercising, stop at once and speak to a clinician.
Note · Atovia does not solicit insurance, does not recommend products, and does not pass enquirers to agents. Insurance solicitation is an area where Article 83 of the Insurance Business Act sets the qualifications. Recommending a particular security or product can touch on investment advice under the capital markets law, so we do not go there. Filing tax returns on someone's behalf is the domain of a licensed tax accountant.
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