Premium Report 11.0

Household Protection Report

HPOS Grade D · Vulnerable Household Protection

Urgent. A single shock could cause lasting damage. Begin with the Top 3 Priorities immediately.

Generated 8/2/2026 · Review Year 2026 · Tier: protection

Protection Index

49/100

Vulnerable Protection

Financial Safety Index

45/100

Vulnerable Financial Safety

Household Resilience Index

44/100

At-Risk Resilience

Preparedness Score

44/100

Reserves + disaster readiness

Wealth Preservation

58/100

Asset durability

Retirement Security

37/100

Long-horizon protection

Risk Exposure (↓ better)

62/100

Lower is better

Overall Standing

Urgent. A single shock could cause lasting damage. Begin with the Top 3 Priorities immediately.

Composite score: 45/100.

Domain performance across the six protectable areas:

Highest-leverage actions ranked by severity and impact:

Critical — Life insurance below 10× income: Add term life ladder to close gap.
High — Protection Health is D — coordinate a multi-line policy review: Schedule a full annual protection review across life, disability, home, auto, umbrella.
High — Umbrella liability below $1M: Add $1M–$5M umbrella above auto + home.
High — Disability income below 60% of gross: Add private LTD to bridge to 60% of gross to age 65.
High — Emergency fund < 3 months: Build to 6 months essential expenses.

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