Asset Protection Hub

Protect everything you've built

A single lawsuit can erase a decade of accumulation. Score your asset-protection stack and patch the gaps before they cost you.

Household profile

Age

Your income ($)

Spouse income ($)

Dependents

Liquid assets ($)

Retirement assets ($)

Home equity ($)

Other assets ($)

Total liabilities ($)

Emergency fund (months)

Existing coverage

Life insurance face ($)

LTD monthly benefit ($)

Umbrella limit ($)

Occupation risk

Protection Score 2.0

Coverage Strength

Asset Protection

Income Protection

Family Protection

Retirement Readiness

Claims Preparedness

33.33333333333333

Risk Reduction

Life Event Preparedness

100

Protection Dashboard

Household Protection

57/100

Vulnerability

53/100

Completeness

60/100

Gap Risk

60/100

Family Security

28/100

Income Replacement

31/100

Asset Protection

65/100

Retirement

37/100

Priority Actions

Increase life coverage by $820,000
high
Bring term life to 10–12× income to cover dependents.
Add long-term disability insurance
high
Target $5,500/mo benefit (60% of income).
Build emergency fund to 3–6 months
medium
Lets you raise deductibles and absorb claims without filing.
Add flood insurance
medium
Standard home policies exclude flood — even outside FEMA zones.

Coverage Snapshot

Net worth$35,000

Recommended life$1,320,000

Life gap$820,000

Recommended umbrella$0

Umbrella gap$0

Recommended LTD / mo$5,500

Disability gap / mo$5,500

Asset protection guides

Asset

Umbrella Liability for Asset Protection

Umbrella is the cheapest insurance per dollar of protection — $200–$400/yr typically buys $1M in coverage above auto and home.

Asset

Protecting Rental Property Owners

Rentals expose owners to tenant liability, code violations, and loss-of-rents — none covered by standard home policies.

Asset

Asset Protection for High Net Worth Households

High-net-worth households need specialized markets (Chubb, AIG Private Client, PURE) for scheduled assets, kidnap/ransom, and excess liability.