PROS · Annual Review 3.0
Annual Protection Review 2026
A complete year-end review of household protection, preparedness, resilience, retirement, financial safety, and protection health — with two annual intelligence reports.
Annual Resilience Score
45/100
Average across six reviews
Annual Composite
45/100
Blend of annual review and HPOS composite
Review Year
2026/2026
Re-run annually plus after every major life event
Protection Review
Improved +449/100
- • Vulnerable Protection
- • Tier: Vulnerable
Recommended actions
- Add term life ladder to close gap.
- Schedule a full annual protection review across life, disability, home, auto, umbrella.
Preparedness Review
Steady 045/100
- • 2 months of emergency reserves
- • No flood coverage
Recommended actions
- Reach 6-month emergency fund
- Add region-specific disaster riders
Resilience Review
Declined -144/100
- • At-Risk Resilience
- • Risk exposure: 30/100
Recommended actions
- Add private LTD covering 60% of gross income to age 65.
- Carry life insurance ≥ 10× income (12–15× with young dependents).
Retirement Review
Improved +237/100
- • Retirement assets: $180,000
- • LTC not yet in place
Recommended actions
- Verify contribution targets at 15% of gross
- Initiate LTC evaluation by 55
Financial Safety Review
Steady 045/100
- • FSI tier: Vulnerable
- • Liquidity: $35,000
Recommended actions
- Audit debt service ratio
- Confirm 12 months liquid reserves
Protection Health Review
Declined -550/100
- • Grade D
- • Multi-line policy alignment
Recommended actions
- Coordinate annual multi-line review
- Re-quote underperforming lines
Annual Protection Intelligence Report
Composite Trajectory
Your HPOS composite stands at 45/100 (Grade D). The annual review composite is 45/100.
Top 3 Priorities This Year
1. Life insurance below 10× income • 2. Protection Health is D — coordinate a multi-line policy review • 3. Umbrella liability below $1M
Net Residual Risk
Household Risk Radar shows overall residual risk of 30/100; top exposures are Long-term disability, Premature death of breadwinner, Outliving assets / longevity.
Annual Household Security Report
Security Posture
Protection Index 49, FSI 45, HRI 44. Vulnerable Protection.
Coverage Stability
Protection Health grade D. Lines requiring attention surface in the Protection Priorities engine.
Recommended Cadence
Quarterly Protection Priorities check + annual full review + post-event re-baseline.