What's different about Roadmaps 3.0?

Five horizons (30-day, 90-day, 1-year, 5-year, lifetime) instead of one. Each phase has a goal, milestones with measurable HPOS impact, and direct links to the tools that complete each step.

How do milestones map to my score?

Every milestone is tagged with an estimated HPOS-score gain (e.g. +8 pts) so you can see how the plan moves your overall grade over time.

Can I track progress?

The architecture supports future progress tracking; for now, re-run the HPOS Dashboard after completing milestones to see your composite score advance.

HPOS · Decision Layer

Protection Roadmaps 3.0

A multi-horizon household protection plan: 30-day stabilization through lifetime Elite Protection. Each milestone is tagged with the HPOS-score gain you can expect.

1
30-Day Roadmap
Stabilize critical exposures and lock in baseline protection.
Expected +6 HPOS pts
Goal: Close every Critical-severity gap and verify active health, auto, and dwelling coverage.
Life insurance below 10× income
+10 pts
Add term life ladder to close gap.
Life Estimator →
Document existing policies in one place
—
Pull declarations pages for life, home, auto, umbrella, disability.
Annual Checkup →
Run the Protection Index baseline
Baseline
Establish your current 0–100 score to track future improvement.
Protection Index →
2
90-Day Roadmap
Add the highest-impact missing coverages and raise weak limits.
Expected +12 HPOS pts
Goal: Reach 'Strong Protection' tier on the Household Resilience Index.
Protection Health is D — coordinate a multi-line policy review
+8 pts
Schedule a full annual protection review across life, disability, home, auto, umbrella.
Annual Checkup →
Umbrella liability below $1M
+6 pts
Add $1M–$5M umbrella above auto + home.
Umbrella Estimator →
Disability income below 60% of gross
+6 pts
Add private LTD to bridge to 60% of gross to age 65.
Income Protection →
Emergency fund < 3 months
+6 pts
Build to 6 months essential expenses.
Financial Resilience →
Raise auto liability to 250/500/100
+5 pts
Match UM/UIM to liability tier.
Auto Estimator →
Add $1M umbrella above auto + home
+8 pts
Single lawsuit can exceed net worth without it.
Umbrella Estimator →
3
1-Year Roadmap
Deepen coverage breadth, finalize disaster prep, and start retirement protection.
Expected +14 HPOS pts
Goal: Reach 6-month emergency fund and add every region-relevant disaster rider.
Reach 6-month emergency fund
+10 pts
Lets you raise deductibles and absorb claims without filing.
Add water-backup + service-line riders
+4 pts
Standard home policies exclude both.
Run the Financial Safety Index
Track
Verify the 7 pillars are above 70/100.
Financial Safety →
4
5-Year Roadmap
Move from coverage adequacy to coordinated asset protection.
Expected +18 HPOS pts
Goal: Reach Maturity Level 4 (Strong Protection) and lock in LTC plan if 50+.
Umbrella ≥ 1× net worth
+8 pts
Match umbrella to or above net worth as wealth grows.
Title rentals and side ventures in LLCs
+4 pts
Isolates liability from personal assets.
Begin long-term care evaluation by 55
+6 pts
Premiums rise 8–12%/yr after 60.
Long-Term Care →
Annual policy review cadence
+3 pts
Re-shop life every 3 yrs; revisit limits every 12 months.
5
Lifetime Protection Roadmap
Maintain Elite Protection across every life stage.
Expected +22 HPOS pts
Goal: Hold Maturity Level 5 (Elite) across coverage, preparedness, wealth, retirement, and risk.
Estate plan + trust + entity titling
+5 pts
Final layer of asset protection.
Hybrid LTC + life policy in force by 60
+6 pts
Locks in longevity protection.
Quarterly review cadence
Discipline
Re-baseline HPOS scores every 90 days.
Beneficiary + healthcare directive audit
Discipline
Annual review of all named parties.
Build liquid reserves to 9–12 months
+8 pts
Financial Resilience is the largest HRI lever (20% weight).
Add disaster riders (flood, EQ, water-backup)
+8 pts
Disaster prep moves Preparedness 10–20 points.
Close coverage stability gaps
+8 pts
Run Protection Health tracker to identify weakest line.

← HPOS Dashboard Protection Priorities →10-Year Forecast →