Retirement Protection Hub
Protect every retirement dollar
Long-term care, Medicare gaps, longevity, and liability — all coordinated for the next 20–30 years.
Household profile
Existing coverage
Protection Score 2.0
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 $820,000high
Bring term life to 10–12× income to cover dependents.
- Add long-term disability insurancehigh
Target $5,500/mo benefit (60% of income).
- Build emergency fund to 3–6 monthsmedium
Lets you raise deductibles and absorb claims without filing.
- Add flood insurancemedium
Standard home policies exclude flood — even outside FEMA zones.
Coverage Snapshot
Retirement protection guides
Retirement
Long-Term Care Planning
70% of retirees need long-term care; median cost exceeds $100k/year. LTC insurance, hybrid life/LTC, and self-funding all require planning before age 62.
Retirement
Medicare Gap Coverage Strategy
Original Medicare covers ~80% — Medigap (Supplement) or Medicare Advantage fills the rest. Choose before your 6-month enrollment window closes.
Retirement
Insurance in Retirement Income Planning
Insurance shifts from income-replacement to longevity-protection: annuities, LTC, and Medigap take center stage.