Tools
See the invisible cost of misaligned coverage.
Insurance has a return — you just rarely see it measured. This calculator estimates what uncoordinated coverage may be costing you, not as a precise figure, but as a way to make the invisible visible.
Your Insurance Profile
Adjust the inputs below to see your estimate
Life Stage
This determines the benchmark range for your insurance-to-income ratio.
Include all premiums: life, disability, health, auto, home, umbrella, long-term care — everything you pay annually.
Count each individual policy, not each type. If you have two life policies from different carriers, that's two.
A comprehensive review means someone looked at all your insurance together — not just renewed a single policy.
This is an illustration, not advice. These estimates use conservative assumptions and broad benchmarks. Your actual situation depends on the specific terms, structure, and coordination of your coverage. See methodology below.
Insurance-to-Income Ratio
Your ratio falls within the typical range for growing familys. This doesn't mean it's optimal — it means the allocation isn't immediately unusual.
Estimated Coordination Risk
Your profile suggests significant potential for misalignment. This is common when many policies accumulate without a coordinating strategy — it doesn't mean anything is wrong, but it does mean value is likely being left on the table.
Est. Annual Inefficiency
$2,583 – $4,797
Conservative range based on your profile
10-Year Compounding Cost
$48,733
What that capital could have done elsewhere
Compounding Opportunity Cost
Assumes $3,690/yr in misalignment, compounding at 5% — a conservative proxy for what that capital could earn if properly allocated.
What does this mean?
These numbers aren't a diagnosis — they're an invitation to look closer. The Vault shows you what you actually have, organizes it in one place, and makes the real conversation possible.
Methodology
How we calculate these estimates.
Insurance-to-Income Ratio
We compare your total insurance premiums to your household income, then benchmark against typical ranges for your life stage. This isn't a 'right answer' — it's a starting point for understanding whether your allocation is proportionate to your situation.
Coordination Gap Estimate
When policies are purchased from different providers at different times, overlap and gaps are common. We estimate this based on how many separate policies you hold and how long it's been since anyone reviewed them as a system. The more fragmented and the longer unreviewed, the higher the likely inefficiency.
Compounding Opportunity Cost
Capital spent on misaligned insurance is capital that isn't working elsewhere. We project the compounding cost over 5, 10, and 20 years using a conservative 5% opportunity cost rate. This illustrates how small annual inefficiencies become meaningful over time — just like investment decisions.
What This Doesn't Do
This calculator cannot tell you whether any specific policy is right or wrong. It cannot account for the actual terms, riders, or structure of your coverage. It is an illustration tool designed to provoke reflection, not a recommendation engine. Real analysis requires real data — which is what the Vault is for.
Key Assumptions
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