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Executive Intelligence Layer
Executive Protection Dashboard
Board-level synthesis across every flagship score with an executive summary, recommendations, and action plan.
Executive Grade
Vulnerable — Immediate Executive Action
17th percentile · US households
Executive Summary
- Overall executive grade D (52/100) — vulnerable — immediate executive action.
- Household ranks at the 17th percentile among US households on the HPOS composite.
- Currently at Stage 1 (Vulnerable); 3–6 months to advance to Emerging Stability.
- Net residual household risk is 30/100 across 11 catalogued exposures.
- 2026 Annual Resilience Score is 45/100; 2 of 6 domains improved year-over-year.
Executive Protection Score
46/100
Composite of Protection Index, HPOS, FSI
Executive Stability Score
49/100
Financial safety + future security horizon
Executive Risk Score (lower is better)
30/100
Lower is better — net residual exposure
Executive Resilience Score
49/100
Resilience trajectory + improvement capacity
Executive Recommendations
Top-5 highest-leverage actions, ranked by severity and impact.
#1 · Transformational
30 daysLife insurance below 10× income
Coverage gap ≈ $1200k vs 10× income target.
Action: Add term life ladder to close gap.
#2 · High
90 daysProtection Health is D — coordinate a multi-line policy review
Multiple insurance lines show below-target scores. A coordinated review closes 2–3 gaps at once.
Action: Schedule a full annual protection review across life, disability, home, auto, umbrella.
#3 · High
90 daysUmbrella liability below $1M
Single lawsuit can exceed net worth. Standard recommendation: ≥ net worth.
Action: Add $1M–$5M umbrella above auto + home.
#4 · High
90 daysDisability income below 60% of gross
Most workers have no private LTD or capped employer LTD.
Action: Add private LTD to bridge to 60% of gross to age 65.
#5 · High
90 daysEmergency fund < 3 months
Cash gaps force claims on minor losses and shred coverage health.
Action: Build to 6 months essential expenses.
Executive Action Plan
Immediate (0–30 days)
Life insurance below 10× income
Add term life ladder to close gap.
Near-term (30–90 days)
Protection Health is D — coordinate a multi-line policy review
Schedule a full annual protection review across life, disability, home, auto, umbrella.
Umbrella liability below $1M
Add $1M–$5M umbrella above auto + home.
Disability income below 60% of gross
Add private LTD to bridge to 60% of gross to age 65.
Emergency fund < 3 months
Build to 6 months essential expenses.
Protection by Domain
Family
28/100
At-Risk
Assets
65/100
Moderate
Income
23/100
At-Risk
Retirement
37/100
At-Risk
Business
100/100
Elite
Disaster
71/100
Strong
Certification & Leadership
Platform Certification Snapshot
Platform-level intelligence — open the Leadership Center for full analysis.
FAQ
What is the Executive Protection Dashboard?
The platform's highest-level decision-support view. It aggregates HPOS, PROS, Protection Index, FSI, HRI, Risk Radar, Resilience Forecast, National Scorecard, and the Annual Review into four executive scores plus a board-level summary, recommendations, and action plan.
How is the Executive Grade calculated?
A weighted composite: Executive Protection Score (30%) + Executive Stability Score (25%) + Executive Resilience Score (25%) + inverse Executive Risk Score (20%). Mapped to A+ (≥92), A (≥85), B (≥70), C (≥55), D.
How should I use this dashboard?
Read the Executive Summary first, then act on the top three recommendations. Re-baseline quarterly using Protection History to track movement.