Premium Report 11.0

Protection Gap Report

Gap Elimination Score 50/100

Five gap-reduction plans averaging 50/100 completion.

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

Coverage Gap Reduction Plan

50/100

2/5 closed

Preparedness Gap Reduction Plan

50/100

1/4 closed

Retirement Gap Reduction Plan

38/100

0/4 closed

Wealth Protection Plan

63/100

2/4 closed

Risk Reduction Plan

50/100

1/4 closed

Coverage Gap Reduction Plan

Close the five highest-leverage insurance gaps first.

Completion: 50/100 (2 closed, 1 partial, 2 open).

[Open] Life insurance ≥ 10× income — Add 20–30 year term to close the gap.
[Closed] Umbrella ≥ recommended limit — Layer umbrella above auto + home liability.
[Open] Disability ≥ 60% of monthly income — Add own-occupation LTD via private carrier or employer.
[Partial] Auto liability 250/500/100 or better — Raise limits and match UM/UIM to liability.
[Closed] Health coverage in force — Enroll in employer plan, marketplace, or short-term.

Reserves, disaster riders, and 72-hour readiness.

Completion: 50/100 (1 closed, 2 partial, 1 open).

[Open] Emergency fund ≥ 6 months — Automate transfer of $1,375/mo to a HYSA.
[Partial] Flood coverage where indicated — Quote an NFIP or private flood policy.
[Closed] Replacement-cost dwelling coverage — Endorse extended or guaranteed replacement cost.
[Partial] 72-hour household readiness kit — Complete a 72-hour kit + a 14-day shelter-in-place plan.

Asset depth, LTC, and healthcare continuity.

Completion: 38/100 (0 closed, 3 partial, 1 open).

[Open] Retirement assets ≥ 3× income — Automate IRA/401(k) contributions to 15% of gross.
[Partial] Long-term care plan — Compare hybrid life/LTC vs standalone policies.
[Partial] Healthcare continuity to Medicare — Model HSA + Medigap or Advantage by age 64.
[Partial] Estate plan + beneficiary audit — Annual audit of every named beneficiary across IRAs, 401(k)s, life.

Umbrella, titling, liquidity, and diversification.

Completion: 63/100 (2 closed, 1 partial, 1 open).

[Closed] Umbrella aligned to net worth — Match umbrella to or above net worth.
[Closed] Entity titling for side assets — Form LLCs and re-deed rentals to isolate liability.
[Open] Liquidity bridge (12+ months) — Hold 12 months in HYSA + Treasuries.
[Partial] Diversification across asset classes — Annual portfolio review across equity, fixed income, cash, real estate.

Regional disaster, family, business, and review cadence.

Completion: 50/100 (1 closed, 2 partial, 1 open).

[Partial] Regional disaster risk addressed — Add region-specific riders (flood, EQ, wind) and a documented evacuation plan.
[Open] Family security baseline — Close the highest-severity family priority first.
[Closed] Business liability shield — Add BOP + professional liability where applicable.
[Partial] Annual coverage review cadence — Schedule an annual coordinated multi-line review.

1. Life insurance ≥ 10× income
Add 20–30 year term to close the gap.
2. Emergency fund ≥ 6 months
Automate transfer of $1,375/mo to a HYSA.
3. Retirement assets ≥ 3× income
Automate IRA/401(k) contributions to 15% of gross.
4. Liquidity bridge (12+ months)
Hold 12 months in HYSA + Treasuries.
5. Regional disaster risk addressed
Add region-specific riders (flood, EQ, wind) and a documented evacuation plan.