Family Security
A research-grade library for protecting your family
Family security blends income replacement, life adequacy, disability protection, and dependent-care continuity. Explore the authority library, then run the Family Security Tracker.
Core frameworks
- Six pillars: income, life, health, disability, liquidity, dependent care
- Term-life ladder + LTD stack + emergency fund
- Annual family review discipline
Best-practice strategies
- Both parents fully insured (not just primary)
- Guardian + trustee separation + funding
- Pair with Family Security Institute
Family security library
Guide
The Family Security Framework
Family security has six pillars: income, life, health, disability, emergency liquidity, and dependent care continuity.
Guide
Life Insurance Adequacy for Families
Adequate life insurance covers income replacement, debt payoff, education funding, and 6 months household transition.
Guide
Income Replacement Rules of Thumb
Different goals demand different income-replacement multiples. One number rarely fits.
Guide
Guardian Planning and Backup Care
Naming guardians, documenting backup care, and funding them is the most overlooked element of family security.
Guide
Dual-Income Family Security
Both incomes need full coverage. Most plans under-insure the lower earner.
Guide
Single-Parent Household Security
Single-parent households need thicker safety floors across every pillar.
Guide
Blended Family Protection Strategy
Blended families face beneficiary, custody, and titling complexity that defeats default plans.
Guide
Special Needs Family Security Planning
Special-needs planning requires SNT, government-benefit preservation, and lifetime funding strategy.
Guide
Childcare Replacement Coverage
Childcare value averages $25k–$60k/yr. Even a stay-at-home parent should carry term life to fund replacement.
Guide
College Funding Within Family Security
Education funding sits between savings and protection. Done wrong, it derails retirement and safety pillars.
Guide
Teen Drivers and Family Security
Teen drivers triple household liability exposure and create the most common claim event in family insurance.
Guide
Family Emergency Preparedness Plan
A documented family-level emergency plan converts panic into recovery.
Guide
Family Savings Targets by Age of Kids
Saving targets shift dramatically with children's ages.
Guide
Family Debt Management and Security
Household debt threatens every safety pillar. Manage debt against income, not balance.
Guide
Family Health Insurance Decisions
Health plan choice is the highest-stakes annual family decision after coverage limits.
Guide
Aging Parents and Family Security
Aging parents create financial obligations that should be planned, not absorbed.
Guide
Family Pet Liability and Coverage
Pet bites are the #1 home liability claim. Restrictions and umbrella considerations apply.
Guide
Family Vacation and Travel Risk
Travel introduces medical, liability, and theft risks that domestic coverage often excludes.
Guide
Second-Home and Vacation Property Risk
Second homes carry vacancy, liability, and disaster exposure that primary policies don't address.
Guide
Firearm Ownership and Family Security
Firearm ownership creates legal liability that umbrella and home policies may exclude.
Guide
Cyber Safety for Families
Family cyber risk includes child identity theft, parental account takeover, and ransomware on shared devices.
Guide
Family Asset Titling Strategy
Titling decides who inherits, who pays tax, and what creditors can reach.
Guide
Family Disaster Recovery Playbook
Recovery speed depends on documentation, liquidity, and policy-language clarity before the event.
Guide
Family Protection Benchmarks
Comparable benchmarks help families calibrate coverage against peer households.
Guide
Annual Family Security Review
An annual family review converts the protection plan into a maintained system.