Proprietary Framework
The Protection Maturity Model
A developmental framework for household protection — five maturity levels (Vulnerable → Elite) across five domains (Coverage, Preparedness, Wealth, Retirement, Risk Management). Use it to assess where you are and plan how to advance.
Overall Maturity — Level 3 · Developing Protection
52/100
Developing Protection
Average of five domain levels
Five Maturity Levels
- Level 1 — Vulnerable (0–29)
- Level 2 — Basic Protection (30–49)
- Level 3 — Developing Protection (50–69)
- Level 4 — Strong Protection (70–84)
- Level 5 — Elite Protection (85–100)
Domain assessment
Level 3
Coverage Depth
68
Breadth and depth of insurance across primary lines.
Level 2
Preparedness
45
Emergency reserves, disaster readiness, and policy breadth.
Level 3
Wealth Protection
50
Umbrella, titling, and net-worth durability.
Level 2
Retirement Security
37
Retirement assets, LTC plan, healthcare continuity.
Level 3
Risk Management
61
Gap closure across life, umbrella, auto, health, business.
Maturity Level Reference
Level 1 — Vulnerable (0–29)
Few or no protections in place. A single shock causes lasting financial damage.
- No emergency fund or < 1 month
- Critical lines uncovered (health, life, auto liability)
- No retirement assets relative to age
Level 2 — Basic Protection (30–49)
Foundational coverage exists but is thin, mismatched, or out of date.
- 1–3 month emergency fund
- State-minimum auto liability
- Life coverage well below 5× income
- No umbrella
Level 3 — Developing Protection (50–69)
Coverage is broad but lacks depth, riders, or coordination across lines.
- 3–6 month emergency fund
- Life ≈ 5–8× income
- Umbrella present but undersized
- No LTC plan if 50+
Level 4 — Strong Protection (70–84)
Mature, well-coordinated protection with measurable depth across most domains.
- 6–9 month emergency fund
- Life 10–12× income
- Umbrella ≥ net worth
- LTC or hybrid in place by 55
- Annual reviews
Level 5 — Elite Protection (85–100)
Best-in-class household protection: deep, coordinated, indexed to inflation, and forward-looking.
- 9–12+ month liquid reserves
- Life 12–15× income with laddered terms
- Umbrella 1–2× net worth
- Hybrid LTC + life
- Estate plan, trust, entity titling
- Quarterly review cadence
Improvement Roadmap
Domain-by-domain next-level actions for your current assessment.
coverage · Level 3 → 4
Add a $1M+ umbrella, water-backup/service-line riders, and life ≥ 10× income.
preparedness · Level 2 → 3
Reach 3 months emergency fund and add disaster-specific riders for your region.
wealth · Level 3 → 4
Title rentals/side ventures in LLCs and schedule high-value items.
retirement · Level 2 → 3
Reach 1× annual income in retirement assets by 35 / 3× by 45.
risk · Level 3 → 4
Add umbrella, business GL/E&O if applicable, and annual review cadence.
FAQ
What is the Protection Maturity Model?
A proprietary framework that assesses household protection across five maturity levels — Vulnerable, Basic, Developing, Strong, Elite — and five domains: Coverage, Preparedness, Wealth, Retirement, and Risk Management.
How is maturity different from a score?
A score is a measurement at a point in time. Maturity is a developmental level that describes how coordinated, deep, and forward-looking your protection system is.
How long does it take to advance one level?
Typically 12–24 months of structured action. The model includes a domain-by-domain improvement roadmap to guide progression.
Can a household be Elite in one domain and Vulnerable in another?
Yes — and most are uneven. The overall maturity is the average; the domain levels show where to focus.