Retirement Security
The Retirement Security Score
A 0–100 composite of income readiness, healthcare lock-in, longevity protection, and asset preservation.
Executive Summary
A 0–100 composite of income readiness, healthcare lock-in, longevity protection, and asset preservation. This retirement security brief synthesizes peer-reviewed research, regulatory data (NAIC, BLS, Federal Reserve SCF, FEMA, SSA), and InsuranceQuoteToolkit's proprietary HRI and FSI scoring models. Use it as a decision-grade reference — not a marketing overview.
Key Takeaways
- Coverage Readiness + Asset Preservation + LTC + Healthcare
- Re-scored annually after 50
- Drives Retirement Security Center dashboard
- Tier thresholds align with FSI
Research-Backed Guidance
The findings above draw on multi-source household-resilience research. Our review process triangulates federal data sets (BLS Consumer Expenditure, Federal Reserve SCF, NAIC market conduct filings), longitudinal academic studies, and the InsuranceQuoteToolkit national resilience panel. Read our methodology center for full scoring and weighting details.
- • Federal Reserve Survey of Consumer Finances — liquidity & net worth distributions
- • Bureau of Labor Statistics CEX — household burn-rate baselines
- • NAIC consumer publications — coverage prevalence and gap analytics
- • FEMA National Risk Index — geographic peril exposure
Practical Recommendations
- 75+ is Strong target by age 60
- Improve weakest sub-pillar first
Action Checklist
Print or screenshot this list. Move from a Moderate to Strong tier on the relevant index by completing each item within 60–90 days.
- 1Coverage Readiness + Asset Preservation + LTC + Healthcare
- 2Re-scored annually after 50
- 3Drives Retirement Security Center dashboard
- 4Tier thresholds align with FSI
- 575+ is Strong target by age 60
- 6Improve weakest sub-pillar first
FAQ
What's a good score?
75+ is Strong. 85+ is Elite — typical of fully prepared retirees with LTC and bridge cash.