Premium Report 11.0
Risk Radar Report
Net residual risk 30/100
Catalogued 11 household exposures across 6 risk categories.
Generated 8/2/2026 · Review Year 2026 · Tier: protection
Family (↓ better)
37/100
Lower is better
Income (↓ better)
46/100
Lower is better
Assets (↓ better)
34/100
Lower is better
Retirement (↓ better)
36/100
Lower is better
Business (↓ better)
0/100
Lower is better
Disaster (↓ better)
16/100
Lower is better
Top Three Exposures
Ranked by net residual risk:
- Income — Long-term disability: net 60/100 (Severe). Add private LTD covering 60% of gross income to age 65.
- Family — Premature death of breadwinner: net 45/100 (Elevated). Carry life insurance ≥ 10× income (12–15× with young dependents).
- Retirement — Outliving assets / longevity: net 44/100 (Elevated). Target 8–12× income saved by 65; add LTC or hybrid life/LTC by 60.
Full Risk Catalog
All catalogued exposures:
- Income · Long-term disability: net 60/100
- Family · Premature death of breadwinner: net 45/100
- Retirement · Outliving assets / longevity: net 44/100
- Assets · Liability lawsuit: net 38/100
- Income · Extended job loss: net 31/100
- Assets · Property catastrophe (uninsured peril): net 29/100
- Family · Loss of stay-at-home parent contribution: net 28/100
- Retirement · Healthcare cost shock in retirement: net 28/100
- Disaster · Natural disaster financial shock: net 17/100
- Disaster · Major medical event: net 14/100
- Business · Business interruption / liability: net 0/100
Recommendations
1. Income: Long-term disability
Add private LTD covering 60% of gross income to age 65.
2. Family: Premature death of breadwinner
Carry life insurance ≥ 10× income (12–15× with young dependents).
3. Retirement: Outliving assets / longevity
Target 8–12× income saved by 65; add LTC or hybrid life/LTC by 60.