Family Protection Hub
Build a complete family safety net
Life, disability, health, and emergency-fund planning — sized to dependents, income, and stage of life.
Household profile
Existing coverage
Protection Score 2.0
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 $820,000high
Bring term life to 10–12× income to cover dependents.
- Add long-term disability insurancehigh
Target $5,500/mo benefit (60% of income).
- Build emergency fund to 3–6 monthsmedium
Lets you raise deductibles and absorb claims without filing.
- Add flood insurancemedium
Standard home policies exclude flood — even outside FEMA zones.
Coverage Snapshot
Family protection guides
Family
Income Replacement for Families
If the primary earner cannot work, the family typically has 2–3 months before financial stress hits. Life and disability insurance exist to buy back decades of income.
Family
Dependent Protection Planning
Children, aging parents, and special-needs dependents each require distinct coverage strategies.
Family
Insurance for Single-Parent Households
Single parents carry double the income-loss risk. Life and disability coverage should be larger, not smaller.