Gap Analysis

Protection Gap Analyzer

A specific exposure not adequately covered by your current insurance portfolio.

Address Critical and High severity first — typically liability, life, and disability.

Identify coverage, income, liability, family, business, and retirement gaps — with a prioritized action plan.

Sample Gap Score

Lower is better. 0 = no gaps detected.

Priority recommendations

Life insurance below 10× income
Critical
Coverage gap ≈ $1200k vs 10× income target.
Action: Add term life ladder to close gap.
→ Life Estimator
Umbrella liability below $1M
High
Single lawsuit can exceed net worth. Standard recommendation: ≥ net worth.
Action: Add $1M–$5M umbrella above auto + home.
→ Umbrella Estimator
Disability income below 60% of gross
High
Most workers have no private LTD or capped employer LTD.
Action: Add private LTD to bridge to 60% of gross to age 65.
→ Income Protection
Emergency fund < 3 months
High
Cash gaps force claims on minor losses and shred coverage health.
Action: Build to 6 months essential expenses.
→ Financial Resilience

What is a protection gap?

A specific exposure not adequately covered by your current insurance portfolio.

How do I close gaps?

Address Critical and High severity first — typically liability, life, and disability.