How much insurance do I actually need?

Your coverage should align with your assets, dependents, and income. The Coverage Needs Engine recommends life, liability, umbrella, and disability coverage tailored to your financial profile.

Most consumers are over-insured on collision and under-insured on liability. The engine flags redundancies and gaps in one report.

What is a good Protection Score?

70+ is Strong, 85+ is Elite. Below 50 indicates significant gaps that expose your assets or dependents.

Coverage Needs Engine

How much insurance do you actually need?

Get personalized recommendations across life, liability, umbrella, disability, and property — with a 0–100 Protection Score and instant gap detection.

Age

Annual income ($)

Total assets ($)

Total debt ($)

Dependents

Occupation risk

I own my primary residence

Protection Score

Recommended Coverage

Life Insurance

Essential

$1.4M of 20–30 year term life

Replaces income for 2 dependents and clears $280k in debt.

Auto Liability

Essential

50/100/50

Liability limits should at minimum cover your net worth to prevent garnishment after an at-fault accident.

Homeowners (HO-3 or HO-5)

Essential

Extended replacement cost + $300k liability

Replacement cost protects against rebuild inflation; liability shields against on-property injuries.

Umbrella Liability

Optional

Umbrella not yet required

Covers catastrophic lawsuits above auto/home limits — costs only $200–$500/yr per $1M.

Disability Insurance

Recommended

60–70% of income, own-occupation

Disability is statistically 3-4x more likely than premature death between ages 30–60.

Coverage gaps detected

Life insurance likely under the 10x income benchmark.
Mortgage exceeds assets — ensure replacement cost coverage.
Confirm employer LTD covers at least 60% of gross income.

Recommended Coverage

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