HPOS · Intelligence Layer
Household Risk Radar
Every household-level financial risk on one screen — categorized, scored, and prioritized by net residual exposure.
Overall Household Risk
30/100
Lower is better
Severe Risks
1/11
Net ≥ 60 — act immediately
Elevated Risks
2/11
Net 40–59 — within 90 days
By Category
Family
37/100
Income
46/100
Assets
34/100
Retirement
36/100
Business
0/100
Disaster
16/100
Top 3 Risks
Highest net residual exposure across your household.
Income
Long-term disability
60
Severe
Exposure
Severity
Mitigation
Add private LTD covering 60% of gross income to age 65.
Income Protection →Family
Premature death of breadwinner
45
Elevated
Exposure
Severity
Mitigation
Carry life insurance ≥ 10× income (12–15× with young dependents).
Life Estimator →Retirement
Outliving assets / longevity
44
Elevated
Exposure
Severity
Mitigation
Target 8–12× income saved by 65; add LTC or hybrid life/LTC by 60.
Retirement Protection →Full Risk Heatmap
All risks ranked by net residual exposure.
Income
Long-term disability
60
Severe
Exposure
Severity
Mitigation
Add private LTD covering 60% of gross income to age 65.
Income Protection →Family
Premature death of breadwinner
45
Elevated
Exposure
Severity
Mitigation
Carry life insurance ≥ 10× income (12–15× with young dependents).
Life Estimator →Retirement
Outliving assets / longevity
44
Elevated
Exposure
Severity
Mitigation
Target 8–12× income saved by 65; add LTC or hybrid life/LTC by 60.
Retirement Protection →Assets
Liability lawsuit
38
Moderate
Exposure
Severity
Mitigation
Carry umbrella ≥ 1× net worth and raise auto liability to 250/500/100.
Umbrella Estimator →Income
Extended job loss
31
Moderate
Exposure
Severity
Mitigation
Build a 6-month emergency fund and maintain dual-income optionality.
Assets
Property catastrophe (uninsured peril)
29
Moderate
Exposure
Severity
Mitigation
Add flood, water-backup, and service-line riders. Verify replacement-cost dwelling.
Family
Loss of stay-at-home parent contribution
28
Moderate
Exposure
Severity
Mitigation
Add $250k–$500k term life on non-earning spouse to cover childcare + household labor.
Retirement
Healthcare cost shock in retirement
28
Moderate
Exposure
Severity
Mitigation
Plan Medicare + Supplement + Part D and lock in LTC before 62.
Disaster
Natural disaster financial shock
17
Low
Exposure
Severity
Mitigation
Add region-specific disaster riders and a documented evacuation + recovery plan.
Disaster Risk →Disaster
Major medical event
14
Low
Exposure
Severity
Mitigation
Maintain active health coverage and a separate HSA emergency reserve.
Business
Business interruption / liability
0
Low
Exposure
Severity
Mitigation
Add BOP + cyber + commercial umbrella; build 6-month business cash reserve.