How is the score calculated?

Each dimension is scored against household-specific benchmarks (income, dependents, assets, occupation), then averaged. See the methodology page for full formulas.

Flagship Metric

Protection Score 2.0

Q: What is the Protection Score 2.0?

Our flagship 0–100 metric blending eight dimensions: Coverage Strength, Asset Protection, Income Protection, Family Protection, Retirement Readiness, Claims Preparedness, Risk Reduction, and Life Event Preparedness.

Eight dimensions. One score. A complete picture of how protected your household actually is.

Household profile

Age

Your income ($)

Spouse income ($)

Dependents

Liquid assets ($)

Retirement assets ($)

Home equity ($)

Other assets ($)

Total liabilities ($)

Emergency fund (months)

Existing coverage

Life insurance face ($)

LTD monthly benefit ($)

Umbrella limit ($)

Occupation risk

Protection Score 2.0

Coverage Strength

Asset Protection

Income Protection

Family Protection

Retirement Readiness

Claims Preparedness

33.33333333333333

Risk Reduction

Life Event Preparedness

100

Protection Dashboard

Household Protection

57/100

Vulnerability

53/100

Completeness

60/100

Gap Risk

60/100

Family Security

28/100

Income Replacement

31/100

Asset Protection

65/100

Retirement

37/100

Priority Actions

Increase life coverage by $820,000
high
Bring term life to 10–12× income to cover dependents.
Add long-term disability insurance
high
Target $5,500/mo benefit (60% of income).
Build emergency fund to 3–6 months
medium
Lets you raise deductibles and absorb claims without filing.
Add flood insurance
medium
Standard home policies exclude flood — even outside FEMA zones.

Coverage Snapshot

Net worth$35,000

Recommended life$1,320,000

Life gap$820,000

Recommended umbrella$0

Umbrella gap$0

Recommended LTD / mo$5,500

Disability gap / mo$5,500

Financial Disaster Risk Heatmap

Residual risk = (exposure + severity) × (1 − mitigation). Lower is safer.

Income loss / job loss

Exposure

Severity

Mitigation

Build 6-month emergency fund + add LTD coverage.

Long-term disability

Exposure

Severity

Mitigation

Disability insurance covering 60% of income to age 65.

Major liability lawsuit

Exposure

Severity

Mitigation

Carry umbrella ≥ 1–2× net worth.

Property loss (fire/storm/flood)

Exposure

Severity

Mitigation

Replacement-cost dwelling + flood rider.

Major medical event

Exposure

Severity

Mitigation

Health coverage + HSA emergency reserve.

Legal / divorce / estate

Exposure

Severity

Mitigation

Estate plan + umbrella + asset titling review.

Business / professional risk

Exposure

Severity

Mitigation

Commercial GL, E&O, and business interruption.