Flagship Engine
Optimize every dollar of insurance you pay
A unified analysis of coverage adequacy, savings opportunity, and protection planning — distilled into a single 0–100 Protection Planning Score and a prioritized roadmap.
Household profile
Current premiums & posture
Protection Planning Score
Savings Opportunity
Identified across bundling, deductibles, discounts, and risk reduction.
$1,264/yr
$6,320 · 5yr · $25,280 · lifetime
Your Insurance Roadmap
30-day plan
- Request bundled quote from current carrier + 2 competitorshigh
Bundling typically saves 13–22% within a single billing cycle.
- Audit and claim every available discountmedium
Clean record, telematics, paid-in-full, paperless — most are unclaimed.
- Close gap: Life insurance likely under the 10x income benchmark.high
Top-priority gaps create catastrophic financial exposure.
- Close gap: Mortgage exceeds assets — ensure replacement cost coverage.high
Top-priority gaps create catastrophic financial exposure.
90-day plan
- Right-size deductibles to your emergency fundhigh
Raising deductibles is the single largest controllable savings lever.
- Re-shop auto + home with 3 carriershigh
Loyalty premiums compound — fresh quotes typically beat renewal by 8–18%.
- Verify dwelling limit equals true rebuild costmedium
Underinsurance triggers coinsurance penalties at claim time.
Annual plan
- Run full Coverage Needs + Gap analysishigh
Life events, asset growth, and rate environment all shift annually.
- Re-shop term life every 3–5 yearsmedium
Term rates drop and underwriting improves with documented health.
- Update beneficiaries and umbrella limitsmedium
Net-worth growth requires liability scaling to 1–2× net worth.
Deep-dive optimization topics
Optimization
Optimize Your Auto Insurance
Auto insurance is the most over-paid product in the average household budget. A 20-minute optimization session typically uncovers 15–30% in annual savings without reducing protection.
Optimization
Optimize Your Home Insurance
Most homeowners are simultaneously over-insured on contents and under-insured on dwelling rebuild cost. Optimization fixes both.
Optimization
Optimize Your Life Insurance
Term life rates drop steadily. Most policies bought 5+ years ago are over-priced or under-sized for current obligations.
Optimization
Bundle Auto + Home for Maximum Savings
Bundling is the highest-ROI optimization for most households — typically 13–22% off both lines with zero coverage trade-off.
Optimization
Deductible Optimization Strategy
Deductibles are the single most under-optimized lever on the average policy.
Optimization
Umbrella Liability Optimization
An umbrella policy is the cheapest insurance per dollar of protection — typically $200–$400/yr for $1M of liability above auto/home.