Family Protection Research
Research center for family protection
Benchmarks, protection gap studies, and resilience research for income, life, disability, and emergency preparedness.
Core frameworks
- Income replacement ratio benchmarks
- Disability adequacy modeling
- Life insurance ladder methodology
Best-practice strategies
- Family Security Ranking by household type
- Protection Gap Score for dependents
- Annual Family Protection Report
Research library
Guide
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.
Guide
Dependent Protection Planning
Children, aging parents, and special-needs dependents each require distinct coverage strategies.
Guide
Insurance for Single-Parent Households
Single parents carry double the income-loss risk. Life and disability coverage should be larger, not smaller.