Lifetime Planner
Your decade-by-decade protection plan
Build, defend, and preserve — across every life stage. Personalized milestones, coverage priorities, and an action roadmap.
Household profile
Coverage in place
Wealth Preservation
Asset Protection
65
Resilience
48
Stability
55
Risk Exposure
55
Net worth
$35,000
Tier: Moderate · PS 2.0 53/100
Lifetime protection roadmap
Next 12 months
- Build emergency fund to 3 months
- Close life-insurance gap ($820,000)
- Confirm umbrella matches net worth
1–3 years
- Add private long-term disability
- Schedule valuables / collectibles
- Open or fund HSA reserve
3–5 years
- Title rentals/side-businesses in LLCs
- Begin LTC research (esp. age 50+)
- Confirm replacement-cost dwelling coverage
- Build 9–12 month emergency fund if self-employed
5–10 years
- Stack commercial + personal umbrella
- Coordinate retirement income + annuity planning
- Estate documents + trust review
Lifetime strategy
- Re-shop every line every 24 months
- Annual protection review at every life event
- Maintain protection score ≥ 80 across all dimensions