Protection Roadmap Engine
Your protection roadmap
30 days, 90 days, 1 year, 5 years, lifetime. The exact sequence of actions to maximize your Life Protection Index.
- 1
Next 30 days
- Confirm umbrella covers net worth
- Verify auto liability ≥ 100/300/100
- Automate emergency-fund deposits
- 2
Next 90 days
- Close life-insurance gap ($820,000)
- Add private long-term disability
- Document home inventory with photos + serial numbers
- 3
Within 1 year
- Run Protection Score 2.0 + Resilience Score
- Schedule valuables + collectibles + jewelry
- Review beneficiaries on all accounts
- 4
Within 5 years
- Stack commercial + personal umbrella if business owner
- Lock-in lower premiums on term + disability
- Confirm replacement-cost dwelling + flood rider
- 5
Lifetime
- Re-score every 6 months and after every life event
- Maintain Life Protection Index ≥ 80
- Annual coverage review + reminder cadence
Roadmap guides
Guide
30-Day Protection Plan
The fastest wins: umbrella, auto liability, and automated emergency funding.
Guide
90-Day Protection Plan
Close life + disability gaps, document property, restructure beneficiaries.
Guide
1-Year Protection Roadmap
Annual checkup, scheduled valuables, beneficiary review, scoring cadence.
Guide
5-Year Protection Roadmap
LLC titling, LTC research, replacement-cost dwelling, commercial umbrella.
Guide
Lifetime Protection Strategy
Re-score, re-shop, and align coverage with every life event.