How Vulnerable Is Your Family or Business Right Now?
If something happens to you tomorrow, what happens to everyone counting on you?
Most people don't ask that question until it's too late.
Even if they do, most don't know where to start.
Once you see the real numbers, you can rest easy, or you can fix what's missing.
1
Family Protection
* Required for accurate exposure calculation
Results auto update as you type
Household Annual Income *
$
Self-employed? Use your average income from the last 3 years, not just your best year, for the most realistic baseline.
Annual Family Living Expenses *
$
Living expenses only, not including mortgage or debt payments. Ex: food, utilities, clothing, necessities, etc.
Remaining Mortgage Debt *
$
Help your family keep a roof over their heads (full amount owed, not payments)
Other Personal Debts / Student Loans *
$
Credit cards, car loans, etc. (full amount owed, not payments) Only include medical debt if you live in a community property state or if it could otherwise become your family's responsibility.
State of Residence *
Used to make sure your results reflect your state's requirements
Primary Breadwinner's Age
Helps calibrate your risk profile
Do you have a spouse or domestic partner?
No
Yes
Spouse/Domestic Partner Age
Helps understand protection gaps
Do you have dependents?
No
Yes
Years to Protect
Years until financial independence or retirement
Youngest Dependent's Age
Used to calculate how many years of protection your family needs
Protect Until Age
Typically age 18–22, when they're expected to be independent
Future Education Funding
$
Education or seed capital funding for children
Desired Inheritance / Legacy Amount
$
Amount you want to leave beyond just covering needs and expenses
Inflation Adjustment
Reflects current real-world cost of living increases and compounds over time
2
Business Continuity
Are you self-employed / a business owner?
No
Yes
Do you have a business partner?
No
Yes
Helps determine what happens to the business if something happens to you
Do you have a buy/sell agreement in place?
No
Yes
Confirms whether a plan already exists to protect the business if you or your partner can no longer run it
Without a buy/sell agreement, your business and family could be exposed to significant risk if something happens to you or your partner. This should be addressed immediately.
Do you have a written wind-down plan in place?
No
Yes
Confirms whether instructions exist for someone to step in, notify clients, and close or transition the business if you no longer can
Without a written wind-down plan, there may be no clear instructions for anyone to step in, notify clients, or manage the business if something happens to you. This is worth addressing.
Your Ownership %
How much of the business you personally own, used to calculate your share of the buyout need
⚠ You indicated you have a partner — please verify this percentage is accurate.
Annual Net Profit
$
Your business's profit after expenses, before taxes
Your Salary
$
What you personally pay yourself from the business each year
Industry Multiple
Typically 1 to 3 for small, owner-operated service businesses. Use 2 if you're not sure.
Estimated Business Valuation
$
Rough estimate only, for risk approximation. Not a formal valuation.
Your Estimated Business Valuation and Ownership % can help size the coverage needed to fund a buy-sell agreement between partners, or, for a single owner, to help your business survive your absence long enough to retain key staff, complete a sale, or wind down in an orderly way.
This is a simple estimate, not a certified business valuation, and it reflects your share only, not the full enterprise. Consult a CPA or qualified valuation professional for a true evaluation of your business.
Current Outstanding Business Debt
$
Lines of credit, equipment loans, business credit cards, etc.
Monthly Fixed Operational Costs
$
Rent, software, recurring contracts, utilities, etc.
Months of Operational Runway Needed
Time required to restructure, sell, or automate the business
Total Operational Runway Need
$
Key Employee Contract Buyouts / Severance
$
Capital needed to retain or transition vital staff
Total Business Base Need
$
3
Final Arrangements
Current Active Life Insurance Coverage *
$
Personal and/or group policies currently in force
Funeral / Final Expenses
$
Average cost of a funeral and burial for one person. Cremation can cost less.
Will / Trust in Place?
WillNo
Yes
TrustNo
Yes
A combination helps avoid the time and costs of probate for your family. A will by itself does not avoid probate
Power of Attorney / Healthcare Directive in Place?
No
Yes
Covers who can make decisions for you if you're incapacitated, not just after death
Guardianship Designated for Minor Children?
No
Yes
Confirms whether a legal guardian is named for your children if something happens to you
Beneficiary Designations Reviewed/Updated?
No
Yes
Beneficiaries on accounts and policies override what's written in a will
Letter of Instruction Created?
No
Yes
Instructional letter for whoever would be managing your affairs. Can include passwords, locations of important info, etc.
Your Family Exposure Index Score:
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Urgent Protection Needed
$0
The vital amount your family would need to face tomorrow without you. Covers debt, basic living costs and final expenses. It represents your most critical priority.
Full Family Protection
$0
Your family fully provided for. Debts paid and income replaced for the years they need it.
Full Protection + Legacy
$0
Your family fully provided for, with an inheritance left behind too.
BUSINESS-INCLUSIVE TIERS
Urgent Family and Business Needs
$0
The urgent minimum for both your family and your business if something happened tomorrow.
Full Family + Business Protection
$0
Full family protection plus what's needed to stabilize or transition your business.
Complete Coverage: Family, Legacy & Business
$0
Full family protection with an inheritance plus what's needed to stabilize or transition your business.
You can keep adjusting these numbers any time, before or after you unlock your full report below.
Unlock Your Full Exposure Report Below;
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Don't Leave This To Chance
These numbers are your starting point. Closing the gap is the next best step. Let's get you to the finish line.
This tool is for educational purposes only and does not constitute financial, legal, or insurance advice. This estimate is not a formal needs analysis. Actual coverage needs and premiums depend on underwriting and individual circumstances. Consult a licensed professional for personalized guidance.
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