Your state
Why it matters.
Insurance sold is insurance bought; insurance needed is different. Reading exclusions before paying is the difference between cover and a story.
The component skills.
Practise — activities that produce artifacts.
Read the exclusions first ~35 min
Take one real policy (or a sample) and list the top five exclusions — what they will NOT pay for. That list is the actual product.
Artifact: The top-five exclusions list
The ruinous-risk check ~30 min
Write the three events that would ruin you financially (illness, fire, liability…). Check which you're actually covered for — and which policy protects against them.
Artifact: The ruinous-risk map with coverage status
Missions — do it for real.
Mentors for this capability.
Matched from real, opted-in DISHA members through the Mentor Intelligence Network — with their trust states shown as stored. Source-listed is not the same as verified.
No opted-in mentors match this capability yet — none are invented. See the Mentors view or the full directory.
How assessment works.
Every submission gets a transparent first-pass against the mission's rubric — what was looked for and what was observed. Verified state requires a real review; the system never upgrades self-reported evidence on its own.
accuracy
Concrete numbers, units and exact values instead of vague amounts
completeness
All parts of the task covered — nothing skipped or assumed away
preparation
Preparation before action: rates checked, plans made, materials ready
process_correctness
Steps done in a sensible order, nothing skipped
self_awareness
Honest signals: what you noticed, what was hard, what you'd change
Accepted evidence: mission_submission, mentor_review, observed_application, work_sample.
Stated plainly — what this doesn't do
- — Submissions are private, self-reported evidence — they never become verified without a real review.
- — Mentor review for capabilities arrives in a later phase of this module.
Source: DISHA MY LIFE SKILLS Module Master Specification v1.0 §4 · v1 · last checked 2026-10-24 · your data rights