Would your family be okay financially if something happened to you?

See how your household's finances would hold up through four major life disruptions. Understand what you already have working in your favor, what each one would take to absorb, and how that picture changes as your life changes.

You answer questions about your household online, and your Protection Map shows the arithmetic behind every result. It comes from Financial Risk Partners.

It does not predict what will happen — these are what-ifs.

It does not tell you what to buy, and it is not personalized investment or tax advice.

It is not a financial plan and it is not a score. It shows you where you stand; what to do about it stays yours.

Protection Map does not provide tax or legal advice. It works from the information you provide, and can point out where a tax or legal question affects a result — it does not determine your tax treatment, interpret legal agreements, or interpret insurance contracts it has not reviewed.

Financial resilience is your household's ability to get through a financial setback — what money you'd draw on, and where using it would leave you afterwards. It is not the same as net worth, and it is not a score.

Buying a Protection Map does not make you an insurance lead. No one calls you.

Where a gap could be closed with insurance, your results say so plainly, alongside the other ways to close it — funding it yourself or reducing the risk. Whether you act, and how, is your decision.

A household of one or two adults, with or without children or other dependents. Each adult is assessed separately, including an adult who earns no income.

• Income Interruption — What happens if your income stopped — how long could you keep paying your bills?
• Ability to Earn — What happens if someone in your household gets sick or injured and can't earn money for a long time — or ever again?
• Extended Care — What happens if someone in your household needs care later in life — at home, in assisted living or a nursing home — and what would it cost your family?
• Loss of Life — What happens to your family financially if you or your spouse dies?

Households face many financial risks. A Protection Map looks at four that can be worked out in dollars ahead of time, and that a family can prepare for before they happen. It does not predict whether any of them will happen. It answers a different question: if one did, how well would your household get through it?

Income Interruption looks at the household as a whole. Ability to Earn, Extended Care and Loss of Life look at each adult separately — including an adult who earns no income. Their death would still create real costs the household has to meet: childcare, caregiving, running a home. We put a dollar cost on that; we don't count it as nothing.

Protection Map works in take-home pay: what actually arrives in your bank account each month from each working adult’s pay. Taxes, 401(k) or other retirement saving, health insurance and anything else taken out of the paycheck are already gone from that number. It is what your household lives on today, so it is the one income figure we ask for.

You choose your combined federal and state income tax rate from 10% to 50%, or Not sure. We do not work out your taxes for you.

It is used for two things: turning a disability benefit that would be taxed into what you would actually receive in your account each month, and — when you describe disability coverage through work as a percentage of pay — estimating the pay that percentage applies to.

If you choose Not sure, we use 35% and mark the results as an estimate: they could be higher or lower until you set your own rate.

Benefits summaries usually describe it as a percentage of pay with a monthly maximum — for example, “60% of pay up to $5,000 a month” — so that is how we ask. If you know the monthly amount instead, you can give that.

Because we do not ask for your salary, we estimate pay from take-home pay and your household tax rate: pay ≈ take-home ÷ (1 − tax rate). The benefit is the percentage of that pay or the monthly maximum, whichever is lower. If the benefit would be taxed, it is counted after tax. Your results show this working line by line.

A disability policy you own yourself — not through work — is asked as the monthly amount it pays.

We add up your cash, savings and investments outside retirement accounts, and divide by your household’s essential monthly spending to see how many months that money would last if income stopped.

You choose a goal of 3, 6 or 12 months of essential spending set aside (6 is FRP’s suggestion). The gap is the goal minus the cash, savings and investments outside retirement you have, and the result shows the monthly saving that would close it over 24 months — you can choose 12, 24 or 36.

It looks at what would happen to the household’s income if one adult could not work, from the first month to age 65. You can choose an age from 55 to 70.

You choose what the household’s income should keep covering:

• Essential spending only
• Essential spending and retirement saving (FRP’s suggestion)
• The household's current take-home pay

If the adult who cannot work also provides household help — childcare, caregiving, running the home — paying for that help is added to the goal for as long as you told us it would be needed.

Against that goal we count the income that keeps coming in and any disability benefits once their waiting period ends — after tax where they would be taxed. The result shows the shortfall during the waiting period, the monthly gap once benefits start, the total gap over time after your savings are used, and when your cash and investments would run out. For an adult not working for pay, the result is the cost of the household help they provide.

Ways to close the gap: disability coverage is counted only up to 70% of that adult’s take-home pay, counting coverage already in place — or, for an adult not working for pay while the other adult earns, $1,500 a month. Whatever is left would need to come from savings and investments or lower spending. If your cash and investments would cover the whole shortfall, the result shows no gap.

It works out how much money the household would need if one adult died, to meet the goal you choose: support the household until the youngest child is grown (you choose an age from 18 to 24; 24 unless you change it), or replace the income that would stop until the surviving spouse reaches 67.

Each result first shows what would really happen if it happened today, with the life insurance and savings you have now — the debts are not paid off and their payments continue. Then it adds up what full protection would take, every step shown, and the gap between the two.

What full protection adds up:

• The take-home pay that would stop, for those years: the amount you’d need today to replace it, assuming pay would have grown 2% a year and the money earns 4% a year while it’s paid out.
• Minus each debt payment that stops once that debt is paid off — counted only for as long as the loan would have lasted (we ask how many years are left; if you are not sure, we estimate it from the balance and the payment, which is the cautious choice).
• The mortgage, if you choose to have it paid off (yes, unless you change it), and any other debts.
• A rental property’s loan, if you choose to have it paid off; rent that keeps coming in is taken off.
• College, for each child you plan to help pay for, at the estimated cost when they start (public college in your state, a private college, or two years of a trade school or two-year college; rising 5% a year), less what is already saved. If you're not sure, we include a public college.
• Paying for the household help the person provides, for as long as you said it would be needed.
• Final costs of $20,000.
• An emergency fund for the months you chose, based on spending after the payoffs — less the cash already set aside (included unless you choose to leave it out).

What is taken off: life insurance already in place, including life insurance through work (counted up to age 65), and cash and investments outside retirement accounts. Retirement accounts and home equity are not counted against it.

You choose what to plan for. Each choice uses an FRP planning estimate of the yearly cost:

• 2 years of care at home, at $75,000 a year — $150,000 in today’s dollars.
• 3 years in assisted living (FRP’s suggestion), at $75,000 a year — $225,000 in today’s dollars.
• 5 years in a nursing facility, at $120,000 a year — $600,000 in today’s dollars.

Any long-term care coverage you tell us about is subtracted.

The result also shows the same care at age 80, with care costs rising 4% a year. We use age 80 as an example, not a prediction, and the yearly costs are FRP planning estimates, not measured averages.

Every figure is labelled. Today’s dollars are amounts at today’s prices. Dollars of that year are what the same amount would be at the time, with inflation of 3% a year.

Yes. Each result shows the risk as if it happened today, in 5 years and in 10 years, and you can add one more point at an age you choose. Each one is shown in that year’s dollars — what it would be then.

Yes. Each result shows the arithmetic and which of your resources it counted, with the inputs and the rates used.

Rough numbers are fine. The questions come in six parts:

• Your household — your state, the adults and their birth years, and any children or other dependents.
• Money coming in — each working adult’s take-home pay, and what goes into retirement each month.
• What it takes to run your household — a normal month’s spending on things you could not stop paying.
• Money you have — cash and savings, investments outside retirement accounts, and college savings.
• Major obligations — a mortgage, other debts, and any rental property.
• Protection you already have — life insurance, disability coverage and long-term care coverage.

For disability coverage through work, your benefits summary usually shows the percentage of pay and the monthly maximum.

Include rent or mortgage, property taxes, home insurance, utilities, home upkeep, food, transport you need for work, required debt payments, other insurance and childcare. Leave out saving and investing, holidays, eating out, and subscriptions you could cancel. An estimate is fine — if you are between two numbers, use the higher one. A low figure makes your result look better than it is.

No — principal and interest only. If your payment includes taxes and insurance (escrow), leave those out; they belong in your monthly spending, because they continue even after a mortgage is paid off.

If you do not know something, say so. “I'm not sure” is a real answer here, and we would rather say there is not enough information to calculate a financial risk than put a number on a guess. We do not treat an unanswered question as a zero.

For a few questions, not knowing means we use the more cautious choice, and the result says so beside the figure:

• If you’re not sure of your tax rate, we use 35% and mark it as an estimate.
• Not sure whether a disability benefit would be taxed: treated as taxable.
• Not sure what share of pay disability coverage through work replaces: 50%.
• If you’re not sure of the monthly maximum, we use $3,000 a month.
• If you’re not sure how long a disability benefit would pay, we assume it pays until the age the result runs to (65 unless you change it).
• Not sure whether an adult provides household help, or what it would cost or for how long: $3,000 a month for 5 years.

Otherwise, rather than put a number on a guess, the result says “not enough information to calculate” and tells you what would complete it. Improve lists the answers that would make your results more accurate.

About 15–20 minutes. If you already know your numbers, it can be quicker. You can stop and come back at any point.

Yes. Sign in with the same email address and you are taken back to your questions. Once your Protection Map is complete, signing in takes you to your results.

Yes. While your plan is active you can change anything you told us — income, savings, debts, coverage, who is in the household — and rerun your Protection Map as often as you like.

Each of the four results answers the same things:

• What it measures.
• Your goal, and where you are now.
• The gap, if there is one.
• Why — the arithmetic and the inputs behind it.
• Ways to close the gap, in dollars: transfer the risk (insurance), fund it yourself (build a reserve), or reduce the exposure (change spending).

Every figure says whether it is in today’s dollars.

Yes. Each financial risk offers goal options, with FRP’s suggestion selected to start. Choose a different one and the result is worked out again.

We cannot put a number on this yet, and we would rather say so than print a zero. The result tells you what we still need to calculate it.

Based on what you told us and the assumptions we used, we found no shortfall here.

On a phone you see a high-level summary of your results, labelled as a summary. The full results — every figure, the arithmetic and the ways to close each gap — are on a tablet or computer, or in the full report you can download. You can sign in from any device.

Yes. Download your Protection Map as a report (PDF) at any point while your plan is active. Your map is yours to download and keep.

Yes. On your results, choose Share results with my financial planner and enter their name and email address. We email them your Protection Map report.

Improve: a short list of questions that would make your results more accurate. None are required.

Explore: try a what-if. Your results don’t change unless you choose to keep the new answer.

Once a year, do a full update: go through your answers and see where your family stands. In between, update it whenever something changes — a new child, a new job or a change in pay, a new loan or one paid off, new insurance or coverage that ended. Our check-in emails remind you four times a year.

Your Protection Map updates to show where you stand now. We keep your previous map so you can see what changed and why — download a report anytime if you want a copy of where you stood.

There are three plans: 1 Year, $250, renews each year; 5 Years, $750, one payment; 10 Years, $1,000, one payment. Every plan includes:

• Your Protection Map: your family's four financial risks, where the gaps are, and the ways to close them.
• Update your answers whenever life changes, and see how your gaps move.
• Four check-ins a year asking what's changed — a new job, a new baby, a new loan — so your map keeps up with your family.
• Download a report of where you stand at any point, or send it straight to your financial planner.
• No sales calls, and no sales pitch.

Only the 1 Year plan. It renews each year at $250 until you turn off auto-renew. About a month before each renewal we email you the date, the amount and how to turn it off, and after each renewal payment we email you a receipt.

5 Years and 10 Years are one payment and never renew. Before either one ends, we email you the plan options.

Sign in, go to Your account and choose Turn off auto-renew. That's it — no phone call, no questions. You keep access to the end of the year you've paid for, and you won't be charged again.

If you turn off auto-renew, you keep access to the end of the year you've paid for. Download your report anytime before then. You can choose a plan again anytime.

Yes: a 30-day money-back guarantee on your first purchase (not available once you've had your Protection Map Review). Within 30 days of buying, sign in, go to Your account and choose Request a refund, and tell us briefly what didn't work. We return your payment in full, including a Protection Map Review you added, and your access ends. Renewals and later purchases, like moving to a longer plan, aren't covered.

We go through your Protection Map with you and answer your questions. Nothing is sold. With 5 Years or 10 Years you can add one for $250 when you buy (it's $500 on its own), and with 1 Year for $500. You can add one later from Your account for $500. Once your Protection Map is finished, we email you a link to book it; please book within 30 days, while your map is fresh.

Yes. While your plan is active you can buy 5 Years or 10 Years from Your account. There's no credit for time you've already paid for, and you don't lose any of it: the longer plan starts when your current access ends. If you're on 1 Year, its auto-renew is turned off.

You pay on Stripe’s secure checkout page, with a card or another payment method shown there. We never see or store your card details.

There is no password. Your access is tied to the email address you buy with. Enter it on the sign-in page and we send you a link to sign in. The link is unique to your email address, works once and expires in 7 days.

If the email doesn’t arrive, check your junk or spam folder first.

We ask only for what your Protection Map needs. No phone number.

Buying a Protection Map does not sign you up for marketing. That is a separate choice, and it is never pre-ticked. Buying a Protection Map does not make you an insurance lead. No one calls you.

Our public website uses analytics and advertising tags to measure our advertising, and they never load on Protection Map assessment screens. You can turn them off with Turn off tracking at the bottom of any page. They never receive your Protection Map answers, results, financial or health information, or what you type into a form. See Privacy & cookies.

You can change or remove the information you gave us about your household at any time. Your map is yours to download and keep.

Use Start a Conversation and we will get back to you. There is no phone number.

Check your junk or spam folder first.

Sign-in links work once and expire after 7 days. Request a new one from the sign-in page and it will be sent to you.

Yes. Sign in and choose Ask for help on your Protection Map results. Tell us what you’d like help with and list your questions, and choose whether to share your Protection Map results with Financial Risk Partners — you can ask without sharing them.

We reply by email, to the address on your account. We only reply to requests you send, and we never call you.

If you’d like someone at Financial Risk Partners to go through your results with you, that is available for a fee — ask through Start a Conversation.