PROS · Improvement Engine
Resilience Improvement Center
Every detected improvement opportunity, ranked by Impact, Difficulty, Expected Outcome, and a composite Improvement Priority Score — so you can move quickly on the actions that matter most.
Improvement Center Score
100/100
Total meaningful improvement available — higher means more upside
Total Impact Available
486/486
Sum of impact points across all opportunities
Top Opportunities
8/8
Highest-priority actions ready to execute
Opportunity Distribution by Domain
Coverage
3
180 impact pts
Preparedness
3
162 impact pts
Retirement
0
0 impact pts
Wealth
0
0 impact pts
Risk Reduction
0
0 impact pts
Family
2
144 impact pts
Top 10 Opportunities
Life insurance below 10× income
Coverage gap ≈ $1200k vs 10× income target.
Action: Add term life ladder to close gap.
87
Priority
90/100
30/100
90/100
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.
73
Priority
72/100
40/100
80/100
Umbrella liability below $1M
Single lawsuit can exceed net worth. Standard recommendation: ≥ net worth.
Action: Add $1M–$5M umbrella above auto + home.
63
Priority
54/100
40/100
80/100
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.
63
Priority
54/100
40/100
80/100
Emergency fund < 3 months
Cash gaps force claims on minor losses and shred coverage health.
Action: Build to 6 months essential expenses.
63
Priority
54/100
40/100
80/100
Build liquid reserves to 9–12 months
Financial Resilience is the largest HRI lever (20% weight).
Action: Financial Resilience is the largest HRI lever (20% weight).
59
Priority
54/100
55/100
75/100
Add disaster riders (flood, EQ, water-backup)
Disaster prep moves Preparedness 10–20 points.
Action: Disaster prep moves Preparedness 10–20 points.
59
Priority
54/100
55/100
75/100
Close coverage stability gaps
Run Protection Health tracker to identify weakest line.
Action: Run Protection Health tracker to identify weakest line.
59
Priority
54/100
55/100
75/100