Wealth Defense
The Wealth Defense Score
A 0–100 composite of titling, insurance, liquidity, and continuity — used to track defense over time.
Executive Summary
A 0–100 composite of titling, insurance, liquidity, and continuity — used to track defense over time. This wealth defense 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
- Composite of FSI Asset + Risk Mgmt pillars
- Re-scored quarterly
- Tier thresholds align with FSI
- Drives Wealth Defense Lab dashboard
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
- Track alongside net worth
- 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.
- 1Composite of FSI Asset + Risk Mgmt pillars
- 2Re-scored quarterly
- 3Tier thresholds align with FSI
- 4Drives Wealth Defense Lab dashboard
- 5Track alongside net worth
- 6Improve weakest sub-pillar first
FAQ
What's a good Wealth Defense Score?
75+ is Strong. 85+ is Elite — typical of well-advised $5M+ households.