Premium Report 11.0
Annual Review Report 2026
Annual Resilience Score 45/100
Year-over-year review across 6 protection domains.
Generated 8/2/2026 · Review Year 2026 · Tier: protection
Protection Review
49/100
Improved +4 YoY
Preparedness Review
45/100
Steady 0 YoY
Resilience Review
44/100
Declined -1 YoY
Retirement Review
37/100
Improved +2 YoY
Financial Safety Review
45/100
Steady 0 YoY
Protection Health Review
50/100
Declined -5 YoY
Protection Review
Improved year-over-year (+4 pts).
Vulnerable Protection
Tier: Vulnerable
- Add term life ladder to close gap.
- Schedule a full annual protection review across life, disability, home, auto, umbrella.
Preparedness Review
Steady year-over-year (0 pts).
2 months of emergency reserves
No flood coverage
- Reach 6-month emergency fund
- Add region-specific disaster riders
Resilience Review
Declined year-over-year (-1 pts).
At-Risk Resilience
Risk exposure: 30/100
- Add private LTD covering 60% of gross income to age 65.
- Carry life insurance ≥ 10× income (12–15× with young dependents).
Retirement Review
Improved year-over-year (+2 pts).
Retirement assets: $180,000
LTC not yet in place
- Verify contribution targets at 15% of gross
- Initiate LTC evaluation by 55
Financial Safety Review
Steady year-over-year (0 pts).
FSI tier: Vulnerable
Liquidity: $35,000
- Audit debt service ratio
- Confirm 12 months liquid reserves
Protection Health Review
Declined year-over-year (-5 pts).
Grade D
Multi-line policy alignment
- Coordinate annual multi-line review
- Re-quote underperforming lines
Annual Protection Intelligence
Composite Trajectory: Your HPOS composite stands at 45/100 (Grade D). The annual review composite is 45/100.
Top 3 Priorities This Year: 1. Life insurance below 10× income • 2. Protection Health is D — coordinate a multi-line policy review • 3. Umbrella liability below $1M
Net Residual Risk: Household Risk Radar shows overall residual risk of 30/100; top exposures are Long-term disability, Premature death of breadwinner, Outliving assets / longevity.
Annual Household Security
Security Posture: Protection Index 49, FSI 45, HRI 44. Vulnerable Protection.
Coverage Stability: Protection Health grade D. Lines requiring attention surface in the Protection Priorities engine.
Recommended Cadence: Quarterly Protection Priorities check + annual full review + post-event re-baseline.
Recommendations
1. Protection Review
Add term life ladder to close gap.
2. Preparedness Review
Reach 6-month emergency fund
3. Resilience Review
Add private LTD covering 60% of gross income to age 65.
4. Retirement Review
Verify contribution targets at 15% of gross
5. Financial Safety Review
Audit debt service ratio
6. Protection Health Review
Coordinate annual multi-line review