Calculadora de Análise de Lacunas de Seguro
Identifique lacunas na sua cobertura de seguros.
Life Insurance Gap
$250,000
Life Insurance Gap vs Total Assets at Risk
Formula
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.
Exemplo Resolvido
$600,000 assets, $500,000 income protection needed, $250,000 life insurance, $350,000 property coverage.
- 01Life insurance gap = $500,000 - $250,000 = $250,000
- 02Property gap = $600,000 - $350,000 = $250,000
- 03Total gap = $250,000 + $250,000 = $500,000
- 04Coverage ratio = ($250,000 + $350,000) / ($500,000 + $600,000) = 55%
Perguntas Frequentes
How often should I review my insurance?
Review annually and after major life events: marriage, home purchase, having children, job change, or significant salary increase. Gaps tend to grow as your life becomes more complex.
What is the most commonly overlooked insurance gap?
Disability insurance is the most overlooked coverage. Many people insure their home and car but fail to insure their most valuable asset -- their ability to earn income.
Can I have too much insurance?
Yes. Over-insurance wastes premium dollars. The goal is adequate coverage, not maximum coverage. If your coverage ratio is well above 100% in every category, you may be paying for protection you do not need.
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