PROS · Gap Elimination
Protection Gap Elimination Engine
Five gap-reduction plans covering coverage, preparedness, retirement, wealth, and risk — each scored on completion so you always know how close you are to a fully closed protection portfolio.
Gap Elimination Score
50/100
Closed + 50% partial across all plans
Progress Score
50/100
Average completion across the five plans
Protection Completion Score
29/100
Strict: % of items fully closed
Coverage Gap Reduction Plan
Close the five highest-leverage insurance gaps first.
50/100
Completion
2 closed · 1 partial · 2 open
Life insurance ≥ 10× income
$820,000 short of recommended.
Action: Add 20–30 year term to close the gap.
Umbrella ≥ recommended limit
Umbrella matches net worth tier.
Action: Layer umbrella above auto + home liability.
Disability ≥ 60% of monthly income
$5,500/mo short.
Action: Add own-occupation LTD via private carrier or employer.
Auto liability 250/500/100 or better
Carrying 100/300 — raise to 250/500/100 to support umbrella.
Action: Raise limits and match UM/UIM to liability.
Health coverage in force
Active coverage.
Action: Enroll in employer plan, marketplace, or short-term.
Preparedness Gap Reduction Plan
Reserves, disaster riders, and 72-hour readiness.
50/100
Completion
1 closed · 2 partial · 1 open
Emergency fund ≥ 6 months
Currently 2 months of expenses.
Action: Automate transfer of $1,375/mo to a HYSA.
Flood coverage where indicated
Flood is excluded from standard home policies.
Action: Quote an NFIP or private flood policy.
Replacement-cost dwelling coverage
Replacement cost active.
Action: Endorse extended or guaranteed replacement cost.
72-hour household readiness kit
Most households are partially prepared (water, lighting, comms).
Action: Complete a 72-hour kit + a 14-day shelter-in-place plan.
Retirement Gap Reduction Plan
Asset depth, LTC, and healthcare continuity.
38/100
Completion
0 closed · 3 partial · 1 open
Retirement assets ≥ 3× income
Currently 1.6× income.
Action: Automate IRA/401(k) contributions to 15% of gross.
Long-term care plan
Plan ahead — LTC strategy works best initiated by 50.
Action: Compare hybrid life/LTC vs standalone policies.
Healthcare continuity to Medicare
Active coverage — confirm pre-Medicare bridge.
Action: Model HSA + Medigap or Advantage by age 64.
Estate plan + beneficiary audit
Beneficiary mistakes are the #1 retirement leak.
Action: Annual audit of every named beneficiary across IRAs, 401(k)s, life.
Wealth Protection Plan
Umbrella, titling, liquidity, and diversification.
63/100
Completion
2 closed · 1 partial · 1 open
Umbrella aligned to net worth
Asset protection below Strong tier.
Action: Match umbrella to or above net worth.
Entity titling for side assets
No entity exposure.
Action: Form LLCs and re-deed rentals to isolate liability.
Liquidity bridge (12+ months)
Currently 3.8 months liquid.
Action: Hold 12 months in HYSA + Treasuries.
Diversification across asset classes
Most households are over-weighted to one asset class.
Action: Annual portfolio review across equity, fixed income, cash, real estate.
Risk Reduction Plan
Regional disaster, family, business, and review cadence.
50/100
Completion
1 closed · 2 partial · 1 open
Regional disaster risk addressed
Regional disaster exposure score: 29/100.
Action: Add region-specific riders (flood, EQ, wind) and a documented evacuation plan.
Family security baseline
Family security score: 28/100.
Action: Close the highest-severity family priority first.
Business liability shield
No business exposure.
Action: Add BOP + professional liability where applicable.
Annual coverage review cadence
Most households re-shop only after a price hike.
Action: Schedule an annual coordinated multi-line review.