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Step-by-step explanations of every score, tool, and report on the platform.
Central Intelligence Hub
Protection Intelligence Center
A unified hub for executive briefings, research highlights, and risk intelligence summaries — drawn from every intelligence asset on the platform.
Executive Grade
52/100
D · Vulnerable — Immediate Executive Action
HPOS Composite
45/100
Grade D
Risk Radar (net)
30/100
Lower is better
Annual Resilience 2026
45/100
Year-end resilience
Executive Briefings
- Overall executive grade D (52/100) — vulnerable — immediate executive action.
- Household ranks at the 17th percentile among US households on the HPOS composite.
- Currently at Stage 1 (Vulnerable); 3–6 months to advance to Emerging Stability.
- Net residual household risk is 30/100 across 11 catalogued exposures.
Risk Intelligence Summaries
Income · Long-term disability
Net 60/100 · Severe
Add private LTD covering 60% of gross income to age 65.
Family · Premature death of breadwinner
Net 45/100 · Elevated
Carry life insurance ≥ 10× income (12–15× with young dependents).
Retirement · Outliving assets / longevity
Net 44/100 · Elevated
Target 8–12× income saved by 65; add LTC or hybrid life/LTC by 60.
Protection Insights
High-signal items pulled from the Protection Priorities engine.
#1 · Critical
Life insurance below 10× income
Coverage gap ≈ $1200k vs 10× income target.
Horizon: 30 days
#2 · High
Protection Health is D — coordinate a multi-line policy review
Multiple insurance lines show below-target scores. A coordinated review closes 2–3 gaps at once.
Horizon: 90 days
#3 · High
Umbrella liability below $1M
Single lawsuit can exceed net worth. Standard recommendation: ≥ net worth.
Horizon: 90 days
#4 · High
Disability income below 60% of gross
Most workers have no private LTD or capped employer LTD.
Horizon: 90 days
#5 · High
Emergency fund < 3 months
Cash gaps force claims on minor losses and shred coverage health.
Horizon: 90 days
Research Highlights
Jump directly into the research, rankings, and atlas assets behind every score.