Your Protection Map shows a gap in all four financial risks.
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 2 months of essential spending. Saving $1,667 a month for 24 months would close the gap.
Your $20,000 in cash and savings covers about 2 months of essential spending. Your goal is 6 months.
The gap, in today’s dollars
If one of you could not work, the household would be up to $6,300 a month short for as long as it lasted.
Joe
Jill
Jill has no disability coverage, so that income would stop.
The gap, in today’s dollars
No long-term care coverage is in place. With care costs rising, the same care at age 80 would cost about $1,314,265.
Joe
| If it happened… | The gap then |
|---|---|
| Today | $225,000 |
| In 5 years (Joe would be 40) | $273,747 |
| At age 65 (in 30 years) | $729,764 |
| At age 80 (in 45 years) | $1,314,265 |
Jill
| If it happened… | The gap then |
|---|---|
| Today | $225,000 |
| In 5 years (Jill would be 40) | $273,747 |
| At age 65 (in 30 years) | $729,764 |
| At age 80 (in 45 years) | $1,314,265 |
Joe has no long-term care coverage to pay for this.
Jill has no long-term care coverage to pay for this.
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.
If Joe died, the $100,000 of life insurance and $20,000 of savings you have would fall $1,841,204 short of full protection.
If Jill died, the $50,000 of life insurance and $20,000 of savings you have would fall $1,964,841 short of full protection.
Your Protection Map shows a gap in all four financial risks.
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 goalMonths still to save for
If income stopped, your savings would cover about 2 months of essential spending. Saving $1,667 a month for 24 months would close the gap.
Goal: 6 months of essential spending ($60,000).
Your $20,000 in cash and savings covers about 2 months of essential spending. Your goal is 6 months.
The gap, in today’s dollars
Shortfall so farYour cash and investmentsWhat savings can’t cover
If one of you could not work, the household would be up to $6,300 a month short for as long as it lasted.
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.
Joe
Jill
Jill has no disability coverage, so that income would stop.
The gap, in today’s dollars
Cost of your care goalNot yet paid for
Care costs more the later it is needed.
No long-term care coverage is in place. With care costs rising, the same care at age 80 would cost about $1,314,265.
Goal: plan for 3 years in assisted living ($225,000 today).
Joe
| If it happened… | The gap then |
|---|---|
| Today | $225,000 |
| In 5 years (Joe would be 40) | $273,747 |
| At age 65 (in 30 years) | $729,764 |
| At age 80 (in 45 years) | $1,314,265 |
Jill
| If it happened… | The gap then |
|---|---|
| Today | $225,000 |
| In 5 years (Jill would be 40) | $273,747 |
| At age 65 (in 30 years) | $729,764 |
| At age 80 (in 45 years) | $1,314,265 |
Joe has no long-term care coverage to pay for this.
Jill has no long-term care coverage to pay for this.
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.
If Joe died, the $100,000 of life insurance and $20,000 of savings you have would fall $1,841,204 short of full protection.
If Jill died, the $50,000 of life insurance and $20,000 of savings you have would fall $1,964,841 short of full protection.