Calculateur d'Analyse des Lacunes d'Assurance — Formule

Insurance Gap Analysis

A gap analysis compares what you NEED versus what you HAVE.

Steps

1. Identify risks: Death, disability, property loss, liability 2. Quantify each risk: How much would each event cost? 3. Inventory current coverage: List all existing policies and limits 4. Calculate gaps: Need minus current coverage

Coverage Ratio

Coverage Ratio = Total Current Coverage / Total Coverage Needed x 100%

Aim for 100% or higher across all categories.

Exemple Résolu

$600,000 assets, $500,000 income protection needed, $250,000 life insurance, $350,000 property coverage.

  1. Life insurance gap = $500,000 - $250,000 = $250,000
  2. Property gap = $600,000 - $350,000 = $250,000
  3. Total gap = $250,000 + $250,000 = $500,000
  4. Coverage ratio = ($250,000 + $350,000) / ($500,000 + $600,000) = 55%