Risk Exposure Monitor
What risks are you actually carrying?
A continuous view of every protection category, with a preparedness score and action items for each.
Risk Exposure
81
0 = no risk · 100 = severe
Preparedness
19
High Risk
Top action
Carry $0 umbrella minimum
Liability
highUmbrella: $0
Action: Carry $0 umbrella minimum
Income
highNo long-term disability
Action: Layer private LTD covering 60% of gross income
Property
mediumReplacement-cost only
Action: Confirm replacement-cost dwelling + scheduled valuables + flood rider
Family
highLife gap $820,000
Action: Term life = 10–12× income + childcare + college needs
Business
lowNo business exposure
Action: Add GL + E&O + business interruption + cyber
Retirement
highRetirement assets 1.6× income
Action: Add LTC strategy + secure-bucket allocation
Risk monitoring guides
Guide
Liability Risk Monitoring
Track umbrella adequacy as net worth and exposure grow.
Guide
Income Risk Monitoring
Job loss + disability are the #1 financial risk.
Guide
Property Risk Monitoring
Replacement cost, flood, scheduled valuables — all need annual review.
Guide
Family Risk Monitoring
Life insurance + beneficiaries + dependent care planning.
Guide
Business Risk Monitoring
GL, E&O, cyber, business interruption, key person.
Guide
Retirement Risk Monitoring
LTC, longevity, healthcare, and sequence-of-returns risk.