Protection
75 Protection Score
Your Protection Overview
Based on your financial situation, you've identified several insurance gaps that should be addressed. You're well-covered in some areas but have significant gaps in others.
2 Gaps Identified
Adequate
Life Insurance
Coverage Amount $1,000,000
Policy Type 20-Year Term
Monthly Premium $85/month
Expiration 2043
Beneficiary Sarah Escher
Covers income replacement, mortgage, and children's education through age 25.
Gap Found
Disability Insurance
Coverage Amount No Coverage
Employer Plan Limited (2 years max)
Gap Identified $6,500/month
Action Needed: Your employer LTD covers only 2 years. If disabled beyond that, you'd have no income. We recommend securing individual disability coverage.
Covered
Health Insurance
Coverage Type Employer Plan
Monthly Premium $450/month (family)
Deductible $2,000
Out-of-Pocket Max $6,000
Employer coverage is solid. HSA-eligible plan allows triple tax advantage.
Adequate
Homeowners Insurance
Coverage Amount $650,000
Deductible $2,500
Annual Premium $1,800/year
Carrier State Farm
Coverage adequate for home value. Consider umbrella policy for additional liability protection.
Adequate
Auto Insurance
Coverage Type Full Coverage
Liability Limits 100/300/100
Annual Premium $1,200/year
Carrier GEICO
Liability limits are good. Consider umbrella to extend coverage to $300K+.
Gap Found
Umbrella Liability
Coverage Amount No Coverage
Recommended $1,000,000
Est. Cost $150-200/year
Gap Identified $1,000,000
Action Needed: With your assets and income, you're exposed to lawsuits. A $1M umbrella is inexpensive protection.
Not Started
Long-Term Care
Coverage Amount No Coverage
Risk at Age 65 50-70% chance
Est. Cost of Care $100K+/year
Consider: At your current age, LTC insurance is affordable. Waiting could mean higher premiums or denial.
Complete
Emergency Fund
Current Balance $52,400
Target (6 months) $50,000
Monthly Expenses $8,300
Months Covered 6.3 months
Emergency fund is fully funded. Consider high-yield savings (4.5%+ APY).
Priority Protection Actions
HIGH Secure disability insurance — $200/month to protect income
HIGH Purchase $1M umbrella policy — ~$180/year
MED Explore long-term care options while rates are favorable
Insurance Partners
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BackNine Insurance
ASH Brokerage
As independent agents, we shop multiple carriers to find the best fit for your situation.