New Delhi, Jan. 26 -- When Delhi-based Shubhangi Sahal discovered that her recently retired father had been sold more than 20 insurance policies, many using forged signatures and incorrect contact details, the episode triggered a permanent shift in responsibility for her.

Sahal found herself stepping into the role of financial manager for her parents. She had to untangle the mess by filing complaints with insurers, approaching the insurance ombudsman, correcting KYC records and tracking down paperwork that should never have been wrong in the first place.

Once the immediate damage was under control, a larger task emerged: ensuring this never happened again and that her parents' finances were properly safeguarded. "I realized how exposed ...