A sixty-second assessment of your coverage by category. Red means urgent gap. Amber means review. Green means you are set.
Income, dependents, and what you have in place across five lines.
1 urgent gap: close this month.
Illustrative figures only. Personal-liability and health-cover regimes vary widely by jurisdiction. For your specific situation, consult a qualified adviser.
Worth tracks every policy across the household and surfaces the gaps before life surfaces them for you. Join the waitlist.
A common rule of thumb is ten times annual income with dependents. Then run the Self-Insurance Threshold calculator for the precise number. Once portfolio plus existing cover exceeds dependents' lifetime need plus mortgage, you can begin scaling cover down.
It covers a different risk. Life insurance pays if you die. Income protection pays if you cannot work because of long-term illness, mental health, or accident. Most disabilities do not kill you; they just stop you earning for months or years. Statistically, long-term sickness during a career is many times more likely than dying during it.
Standalone personal liability cover above the auto and home policy limits. In the US, typical limits run a few million for a few hundred a year. In the UK the equivalent is the personal-liability extension within home insurance. For higher earners with rentals, dogs, swimming pools, or family drivers, raise the limit.
Because some gaps are not urgent but should not be ignored. A six-month income-protection policy is not zero coverage, but with dependents it would not carry the household through a long-term illness. Amber says: not a crisis, but a review item this year.