Premium Report 11.0
Executive Protection Report
Grade D · Vulnerable — Immediate Executive Action
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. 2026 Annual Resilience Score is 45/100; 2 of 6 domains improved year-over-year.
Generated 8/2/2026 · Review Year 2026 · Tier: executive
Executive Protection Score
46/100
Composite of Protection Index, HPOS, FSI
Executive Stability Score
49/100
Financial safety + future security horizon
Executive Risk Score (↓ better)
30/100
Lower is better — net residual exposure
Executive Resilience Score
49/100
Resilience trajectory + improvement capacity
Executive Summary
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.
2026 Annual Resilience Score is 45/100; 2 of 6 domains improved year-over-year.
Protection Domains
Six protectable domains with current tier and score:
- Family: 28/100 — At-Risk
- Assets: 65/100 — Moderate
- Income: 23/100 — At-Risk
- Retirement: 37/100 — At-Risk
- Business: 100/100 — Elite
- Disaster: 71/100 — Strong
Executive Action Plan
Immediate (0–30 days):
• Life insurance below 10× income — Add term life ladder to close gap.
Near-term (30–90 days):
• Protection Health is D — coordinate a multi-line policy review — Schedule a full annual protection review across life, disability, home, auto, umbrella.
• Umbrella liability below $1M — Add $1M–$5M umbrella above auto + home.
• Disability income below 60% of gross — Add private LTD to bridge to 60% of gross to age 65.
• Emergency fund < 3 months — Build to 6 months essential expenses.
Recommendations
1. Life insurance below 10× income
Add term life ladder to close gap.
Horizon: 30 days
2. Protection Health is D — coordinate a multi-line policy review
Schedule a full annual protection review across life, disability, home, auto, umbrella.
Horizon: 90 days
3. Umbrella liability below $1M
Add $1M–$5M umbrella above auto + home.
Horizon: 90 days
4. Disability income below 60% of gross
Add private LTD to bridge to 60% of gross to age 65.
Horizon: 90 days
5. Emergency fund < 3 months
Build to 6 months essential expenses.
Horizon: 90 days