Your Protection Map shows a gap in 1 of the 4 financial risks.
Gap in Ability to Earn.
No gap found in Income Interruption and Loss of Life.
Covered today, with a gap that can open later: Extended Care.
This is a high-level summary. For your full results, open Protection Map on a tablet or computer, or open the Full Report above.
Each bar is one risk, measured against its own goal.
In place todayThe gap
Ability to Earn is measured month by month, once any disability benefits begin. Each bar is a share of its own goal, so the bars can’t be added together.
The gap, in today’s dollars
If income stopped, your savings would cover about 6 months of essential spending. That meets your goal.
See the detailThe gap, in today’s dollars
Once benefits begin, the household would be up to $1,925 a month short.
Jill
The gap, in today’s dollars
Covered today: your coverage pays for this goal at today's prices. A gap can open later, because the benefit stays the same while the cost of care keeps rising.
Joe
| When | Care would cost | Benefit pays | Left to fund |
|---|---|---|---|
| Today | $225,000 | $500,000 | Covered |
| In 5 years (Joe would be 40) | $273,747 | $500,000 | Covered |
| At age 65 (in 30 years) | $729,764 | $500,000 | $229,764 |
| At age 80 (in 45 years) | $1,314,265 | $500,000 | $814,265 |
Each row includes price rises up to that year. Care costs rise 4% a year — faster than prices in general (3%) — so care costs more the later it is needed.
Jill
| When | Care would cost | Benefit pays | Left to fund |
|---|---|---|---|
| Today | $225,000 | $500,000 | Covered |
| In 5 years (Jill would be 40) | $273,747 | $500,000 | Covered |
| At age 65 (in 30 years) | $729,764 | $500,000 | $229,764 |
| At age 80 (in 45 years) | $1,314,265 | $500,000 | $814,265 |
Each row includes price rises up to that year. Care costs rise 4% a year — faster than prices in general (3%) — so care costs more the later it is needed.
Joe: covered today, but a gap can open later. At age 65 (in 30 years), care would cost about $729,764 and the benefit pays $500,000, leaving about $229,764 to fund, in that year's dollars.
Jill: covered today, but a gap can open later. At age 65 (in 30 years), care would cost about $729,764 and the benefit pays $500,000, leaving about $229,764 to fund, in that year's dollars.
The gap, in today’s dollars
This is how much more the household would need if one of you died, beyond the life insurance and savings already in place.
See the detailYour Protection Map shows a gap in 1 of the 4 financial risks.
Gap in Ability to Earn.
No gap found in Income Interruption and Loss of Life.
Covered today, with a gap that can open later: Extended Care.
Losing a job, a long illness, needing care, losing someone you love — each one is hard enough emotionally. Being prepared financially means money doesn't become one more thing you have to fight. We love our families and want to protect them from everything we can. Here is where yours stands today — and what it would take to be ready.
Below are the four financial risks in your Protection Map, and where your household stands on each today.
Each bar is one risk, measured against its own goal.
In place todayThe gap
Ability to Earn is measured month by month, once any disability benefits begin. Each bar is a share of its own goal, so the bars can’t be added together.
A note beside a risk below is about the information we have — not whether the money is in place.
The gap, in today’s dollars
Months your savings coverYour goal
If income stopped, your savings would cover about 6 months of essential spending. That meets your goal.
Goal: 6 months of essential spending ($60,000).
The gap, in today’s dollars
Shortfall so farYour cash and investmentsWhat savings can’t cover
Once benefits begin, the household would be up to $1,925 a month short.
Goal: if one of you could not work — Joe: $11,000 a month; Jill: $10,800 a month, plus $3,000 a month for the household help Jill provides.
Jill
The gap, in today’s dollars
Cost of your care goalCoverage in placeNot yet paid for
Care costs more the later it is needed.
Covered today: your coverage pays for this goal at today's prices. A gap can open later, because the benefit stays the same while the cost of care keeps rising.
Goal: plan for 3 years in assisted living ($225,000 today).
Joe
| When | Care would cost | Benefit pays | Left to fund |
|---|---|---|---|
| Today | $225,000 | $500,000 | Covered |
| In 5 years (Joe would be 40) | $273,747 | $500,000 | Covered |
| At age 65 (in 30 years) | $729,764 | $500,000 | $229,764 |
| At age 80 (in 45 years) | $1,314,265 | $500,000 | $814,265 |
Each row includes price rises up to that year. Care costs rise 4% a year — faster than prices in general (3%) — so care costs more the later it is needed.
Jill
| When | Care would cost | Benefit pays | Left to fund |
|---|---|---|---|
| Today | $225,000 | $500,000 | Covered |
| In 5 years (Jill would be 40) | $273,747 | $500,000 | Covered |
| At age 65 (in 30 years) | $729,764 | $500,000 | $229,764 |
| At age 80 (in 45 years) | $1,314,265 | $500,000 | $814,265 |
Each row includes price rises up to that year. Care costs rise 4% a year — faster than prices in general (3%) — so care costs more the later it is needed.
Joe: covered today, but a gap can open later. At age 65 (in 30 years), care would cost about $729,764 and the benefit pays $500,000, leaving about $229,764 to fund, in that year's dollars.
Jill: covered today, but a gap can open later. At age 65 (in 30 years), care would cost about $729,764 and the benefit pays $500,000, leaving about $229,764 to fund, in that year's dollars.
The gap, in today’s dollars
What the family would needLife insurance and savings in placeThe gap, if it happened at that age
This is how much more the household would need if one of you died, beyond the life insurance and savings already in place.
Goal: support the household until the youngest child is 24.