Milestone Framework
Protection Milestones
Professional progression milestones across six protectable domains. 3 of 18 achieved · 17% complete.
Protection
33%
1 achieved · 2 in progress · 0 upcoming
Family Security
33%
1 achieved · 1 in progress · 1 upcoming
Preparedness
0%
0 achieved · 1 in progress · 2 upcoming
Retirement
33%
1 achieved · 1 in progress · 1 upcoming
Wealth Protection
0%
0 achieved · 2 in progress · 1 upcoming
Resilience
0%
0 achieved · 3 in progress · 0 upcoming
Protection Milestones
Establish a Baseline Protection Index
AchievedGenerate your first Protection Index score and capture a baseline.
Criterion: Protection Index calculated
Protection Index: 49/100
Reach Strong Protection Index
In ProgressReach a Protection Index score of 70+ (Strong tier).
Criterion: Protection Index ≥ 70
Currently 49/100 (Vulnerable)
Elite HPOS Composite
In ProgressAchieve an A-grade HPOS composite of 85+.
Criterion: HPOS composite ≥ 85
HPOS 45/100 (D)
Family Security Milestones
Adequate Life Coverage for Dependents
In ProgressMaintain term life coverage equal to at least 10× household income.
Criterion: Term life ≥ 10× income (if dependents)
Life coverage $500,000 of $1,100,000
Family Protection Tier — Strong
UpcomingReach a Family Security composite of 75+.
Criterion: Family Security ≥ 75
Family Security: 28/100
Estate Documents in Place
AchievedMaintain a current will, healthcare directive, and beneficiary review.
Criterion: Estate documents complete
Dependents present — confirm will + beneficiary review
Preparedness Milestones
3-Month Emergency Fund
In ProgressMaintain at least 3 months of liquid emergency reserves.
Criterion: Emergency fund ≥ 3 months
2 months of reserves
6-Month Emergency Fund
UpcomingBuild resilience by reaching 6 months of liquid reserves.
Criterion: Emergency fund ≥ 6 months
2 months of reserves
Region-Specific Disaster Coverage
UpcomingMaintain flood / earthquake / windstorm coverage where applicable.
Criterion: Region-appropriate disaster rider in place
No disaster rider on file
Retirement Milestones
Retirement Plan Baseline
AchievedConfirm dedicated retirement assets are in place.
Criterion: Retirement assets > $0
Assets: $180,000
Retirement Protection Tier — Strong
In ProgressReach a Retirement Protection score of 70+.
Criterion: Retirement Protection ≥ 70
Retirement Protection: 37/100
Long-Term Care Strategy
UpcomingLong-term care coverage or self-insurance strategy in place by 55.
Criterion: LTC coverage or strategy
LTC review recommended
Wealth Protection Milestones
Umbrella Liability Coverage
UpcomingCarry umbrella liability of at least $1M for asset-holding households.
Criterion: Umbrella ≥ $1M
Umbrella $0
Asset Protection Tier — Strong
In ProgressReach an Asset Protection composite of 75+.
Criterion: Asset Protection ≥ 75
Asset Protection: 65/100
Financial Safety Index — Strong
In ProgressReach an FSI composite of 75+.
Criterion: FSI ≥ 75
FSI: 45/100 (Vulnerable)
Resilience Milestones
Household Resilience — Strong
In ProgressReach an HRI of 70+.
Criterion: HRI ≥ 70
HRI: 44/100
Positive 10-Year Forecast
In ProgressMaintain a 10-year resilience forecast average of 70+.
Criterion: Forecast ≥ 70
Forecast: 50/100
Elite Household Resilience
In ProgressReach an HRI of 85+ — Distinguished Resilience tier.
Criterion: HRI ≥ 85
HRI: 44/100
FAQ
What is the Protection Milestone Framework?
A professional progression model spanning six categories — Protection, Family Security, Preparedness, Retirement, Wealth Protection, and Resilience. Each milestone declares an objective criterion and is achieved automatically when the underlying engine confirms it.
Are these gamified badges?
No. The framework is intentionally professional — each milestone has a stated criterion, current evidence, and progress percentage. It mirrors a certification model rather than a points-and-badges system.
How do milestones change?
Milestones are recomputed live from the platform's intelligence engines. Improving an underlying score automatically advances the corresponding milestone.