Family Security
Family Security — National Authority Library
Twenty deep-dive guides on protecting families across income, life, disability, dependent care, and continuity.
Core frameworks
- Research-graded under Institute standards
- Versioned methodology; reproducible from inputs
- Updated on annual research cadence
Best-practice strategies
- Pair with the relevant flagship score (HRI, FSI, PI)
- Apply the 24-month roadmap inside the hub
- Re-score after each major life event
Family Security library
Guide
Family Protection Benchmarks by Household Type
Benchmarks for dual-income, single-parent, blended, and multi-generational households.
Guide
Why Both Parents Should Be Fully Insured
Insuring only the primary earner is the most common family-protection failure. Stay-at-home and lower-earning partners carry replaceable but expensive household value.
Guide
Term Life Laddering for Families
Layered 10/20/30-year terms align coverage with the actual obligation duration — mortgage, childhood, college, retirement bridge.
Guide
Why Guardian and Trustee Should Be Different People
Combining caregiving and money management in one person creates conflict and concentration risk.
Guide
Family Emergency Fund Targets by Stage
Family-stage-specific emergency fund targets, not generic '3–6 months' guidance.
Guide
Why Disability Is the Bigger Risk for Most Families
Working-age families are 3–4× more likely to face a long-term disability than premature death — yet most carry less disability than life coverage.
Guide
Family Protection After Divorce
Divorce rewrites every beneficiary and obligation. The HRI typically drops 15–25 points without planning.
Guide
Blended-Family Coverage Strategies
Children from prior marriages need explicit, documented protection. Defaults rarely produce the intended outcome.
Guide
Building a Family Continuity Plan
A one-page family continuity plan compresses chaos into a checklist of who, what, where, and when.
Guide
Family Security by Child Age Cohort
Risk profiles shift as children move through stages. Newborn-through-college risk maps are not the same.
Guide
Dual-Income Protection Stack
Dual-income households should run a coordinated stack — not two parallel single-earner plans.
Guide
Coverage Decisions After a Job Change
Job changes break group coverage continuity. The 60-day window matters.
Guide
Family Coverage When You Go Self-Employed
Leaving W-2 status removes group LTD, life, and health. Each must be rebuilt individually before launch.
Guide
Family Protection for Special-Needs Dependents
Lifetime dependents require lifetime coverage. Special-needs trusts and second-to-die structures preserve benefits eligibility.
Guide
Family Protection Through the College Years
College reshapes liability, auto, renters, and health exposure for the family unit.
Guide
Family Protection When Aging Parents Enter the Picture
Sandwich-generation households face dependent risk on both sides. Coverage and liquidity both rise.
Guide
What Recent Research Tells Us About Family Security
Recent academic and industry research on family financial security, summarized by relevance.
Guide
Six Family Security Myths That Cost Real Money
Persistent myths drive predictable coverage gaps. We address the six most common.
Guide
The Family Security Annual Review
A 90-minute annual review process that holds Strong-tier resilience year-over-year.
Guide
A 24-Month Family Security Roadmap
A staged 24-month plan that takes a typical family from Moderate to Strong on the HRI.