I’m Mila Kumar
I Found Coverage That Grew With My Career Path
Mila Kumar closed her laptop after another evening of researching family insurance options, feeling more confused than when she started. Between managing marketing campaigns at work and planning for her growing family, she felt overwhelmed by the conflicting advice online. “Do I need separate policies for life and critical illness?” she wondered aloud. “And what happens when we have more children – do I need to start over?”
The Challenge…
At 32, Mila was hitting her stride as a Marketing Manager in tech, but family planning had introduced new financial complexities. With an income between $80,000-$100,000, she knew she needed more than basic coverage, but every insurance website seemed designed for either single professionals or established families – not someone transitioning between life stages.
“I want comprehensive protection that grows with our family,” she told her husband over dinner. “But these insurance products all seem so rigid. What if our needs change? What if I want to take maternity leave or switch to part-time work?”
Her tech background made her appreciate flexibility and scalability, but insurance felt like the opposite – complex, permanent decisions with long-term consequences she couldn’t fully predict.The Breaking Point…
During her company’s benefits review, the HR representative’s casual mention that their group life insurance was only one times her salary hit like a cold splash of water. “That wouldn’t even cover our mortgage,” she realized. That weekend, while watching friends post about their new babies on social media, she felt the weight of responsibility settling in.
Finding Saphira…
I discovered Saphira through a LinkedIn article about insurance planning for young professionals. The content felt different – it spoke to career-driven women balancing growth and protection. When I reached out, I was relieved to connect with an advisor who immediately understood my dual priorities. “Tell me about your career goals and family plans,” their advisor said. “Let’s build something that supports both.”
The Solution…
Saphira’s advisor created a flexible strategy that could evolve with Priya’s changing needs
Universal Life Insurance
Universal Life Insurance provided the adaptable foundation she needed. “This grows with you,” their advisor explained. “As your income increases, you can add more coverage. When you have children, you can adjust beneficiaries. If you take time off for family, you can reduce premiums temporarily.”
Critical Illness Insurance
Critical Illness Insurance addressed her biggest fear about family financial security. “If you face a serious health issue, this provides funds for treatment, income replacement, or whatever your family needs most,” the advisor said. “It ensures your family plans don’t get derailed by a health crisis.”
Segregated Funds
Segregated Funds satisfied her desire for both protection and growth. “These combine investment growth potential with insurance guarantees,” their advisor noted. “Your money can grow with the markets, but you’re protected from major losses. Perfect for someone building long-term wealth.”
Maternity benefit planning
Maternity benefit planning addressed her immediate concerns. “We’ll structure this so your coverage continues seamlessly through maternity leave, and we can adjust contributions based on your income during that time,” the advisor assured her.
The Difference…
I went with Saphira because they think ahead
They get that my life isn’t static, I said after our planning session. “My insurance strategy needed to be as dynamic as my career and family goals.”
Peace of Mind…
A year later, Mila is expecting her second child and feeling confident about her family’s financial security. Her insurance strategy has already adapted to one promotion and continues to build wealth while providing comprehensive protection. “I’m not just protecting my family – I’m building a foundation for our future,” Mila reflects. “Whether I’m climbing the corporate ladder or taking time for family, our financial security grows with us. That flexibility is everything.” When colleagues ask about balancing career and family financial planning, Mila always says, “Find someone who understands that your life will change, and plan for growth, not just protection.”