Coverage Gap X-Ray

How we calculate your gap (methodology)

Our Coverage Gap X-Ray evaluates financial security using standard industry risk modeling guidelines. The quantifiable exposure total is calculated by combining your income replacement gap and uninsured housing debt exposure:

• Income Replacement Gap: Calculated as 10× your annual household income (a standard ten-year financial safety net rule of thumb) minus active term life insurance benefits (assumed at a $250,000 baseline policy when checked).
• Housing Debt Exposure: For homeowners without active homeowners insurance, your full remaining mortgage balance is classified as an exposed property risk subject to catastrophic loss.
• Qualitative Risk Areas: Disability, health care costs, vehicle physical damage, and excess liability are evaluated on a binary protection basis. Because legal judgments and medical emergencies can exceed standard assets, these gaps are flagged as critical qualitative risks.

Disclaimer: This calculator provides an educational screening estimate based on generalized benchmarks, not individual insurance or financial advice. We are not affiliated with any insurance carrier.

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Frequently Asked Questions