Disruption Simulator
Could your household survive a disaster?
Simulate eight catastrophic scenarios. See immediate cost, monthly impact, recovery time, coverage gaps, and a recovery roadmap for each.
Household profile
Coverage in place
Net worth
$35,000
Tier: Moderate · PS 2.0 53/100
Major life disruption simulator
How prepared are you for each catastrophic scenario?
Job Loss (primary earner)
Immediate
$50,000
Monthly
$9,167
Recovery
12mo
- • Emergency fund below 6 months
Long-Term Disability (2+ years)
Immediate
$42,500
Monthly
$9,917
Recovery
36mo
- • No long-term disability coverage
Major Illness (cancer, cardiac, etc.)
Immediate
$15,000
Monthly
$2,833
Recovery
18mo
- • Limited cash for deductibles
Home Loss (fire/storm)
Immediate
$5,000
Monthly
$0
Recovery
12mo
- • No flood coverage
Natural Disaster
Immediate
$80,000
Monthly
$0
Recovery
14mo
- • Flood not covered by standard home policy
Major Liability Lawsuit
Immediate
$700,000
Monthly
$0
Recovery
24mo
- • Umbrella below $1M (current $0)
Business Disruption
Immediate
$0
Monthly
$0
Recovery
9mo
Death of Income Earner
Immediate
$600,000
Monthly
$9,167
Recovery
60mo
- • Life coverage short by $600,000