HPOS · Decision Layer
What should you do next?
A severity-ranked list of every coverage, preparedness, asset, retirement, and family protection gap detected for your household — with HPOS-score impact estimates and a phased action plan.
Priority Score
0/100
Alignment with your top recommended actions
Active Priorities
8/8
Detected gaps across all categories
Critical / High
8/8
Items needing 30-day or 90-day action
Top 3 Priorities
Start here. These have the highest combined severity and HPOS impact.
Life insurance below 10× income
Coverage gap ≈ $1200k vs 10× income target.
Action: Add term life ladder to close gap.
+10
HPOS pts
Protection Health is D — coordinate a multi-line policy review
Multiple insurance lines show below-target scores. A coordinated review closes 2–3 gaps at once.
Action: Schedule a full annual protection review across life, disability, home, auto, umbrella.
+8
HPOS pts
Umbrella liability below $1M
Single lawsuit can exceed net worth. Standard recommendation: ≥ net worth.
Action: Add $1M–$5M umbrella above auto + home.
+6
HPOS pts
Top 5 Priorities
Disability income below 60% of gross
Most workers have no private LTD or capped employer LTD.
Action: Add private LTD to bridge to 60% of gross to age 65.
+6
HPOS pts
Emergency fund < 3 months
Cash gaps force claims on minor losses and shred coverage health.
Action: Build to 6 months essential expenses.
+6
HPOS pts
Protection Action Plan
Phased plan covering the next 30 days through long horizon.
Now (30 days)
Life insurance below 10× income
Coverage gap ≈ $1200k vs 10× income target.
Action: Add term life ladder to close gap.
+10
HPOS pts
Next (90 days)
Protection Health is D — coordinate a multi-line policy review
Multiple insurance lines show below-target scores. A coordinated review closes 2–3 gaps at once.
Action: Schedule a full annual protection review across life, disability, home, auto, umbrella.
+8
HPOS pts
Umbrella liability below $1M
Single lawsuit can exceed net worth. Standard recommendation: ≥ net worth.
Action: Add $1M–$5M umbrella above auto + home.
+6
HPOS pts
Disability income below 60% of gross
Most workers have no private LTD or capped employer LTD.
Action: Add private LTD to bridge to 60% of gross to age 65.
+6
HPOS pts
Emergency fund < 3 months
Cash gaps force claims on minor losses and shred coverage health.
Action: Build to 6 months essential expenses.
+6
HPOS pts