Flagship Diagnostic
Protection Health System
An eight-line coverage diagnostic. We score every line, compute four executive metrics, and assign a letter grade you can track over time.
Protection Health Grade
D
50/100
Vulnerable — urgent action required across multiple lines.
Coverage Quality
80/100
Average across in-force lines
Preparedness
43/100
Emergency fund · LTD · health · LTC
Protection Stability
30/100
Resistance to a single shock
Lines In Force
5/8
Out of 8 core lines
Coverage breakdown
Life Insurance
WeakTarget: 10× income (~$1100k).
Status: Short by $600k vs 10× income.
Health Insurance
ExcellentTarget: Active plan via employer, marketplace, or short-term.
Status: Active plan in force.
Disability Insurance
MissingTarget: ~$5,500/mo (60% of gross income).
Status: Below 60% of income — top up with private LTD to age 65.
Home / Renters Insurance
ExcellentTarget: Replacement-cost dwelling + flood rider where exposed.
Status: Add flood rider — standard policies exclude flood.
Auto Insurance
StrongTarget: 250/500/100 + matching UM/UIM.
Status: Above 100/300 baseline.
Umbrella Liability
MissingTarget: ≥ $1,000,000 (≥ net worth).
Status: Single lawsuit could exceed liability stack.
Business Insurance
ExcellentTarget: Not applicable.
Status: Not applicable.
Long-Term Care
AdequateTarget: Plan to evaluate by age 50.
Status: Below planning threshold.
Gap highlights
- Life Insurance: Short by $600k vs 10× income.Weak
- Disability Insurance: Below 60% of income — top up with private LTD to age 65.Missing
- Umbrella Liability: Single lawsuit could exceed liability stack.Missing
FAQ
What is the Protection Health Score?
A 0–100 weighted score across the 8 core insurance lines, mapped to an A+ to D letter grade.
What's the difference between Coverage Quality and Protection Stability?
Coverage Quality averages the quality of every in-force line. Stability blends overall health with your weakest single line — a measure of resistance to one bad shock.
How often should I re-evaluate?
At least annually, and after every major life event (marriage, child, home, business, retirement).