Risk Profile
Evaluate a user's personal risk exposure across health, financial, and lifestyle dimensions. Generate a risk profile report and recommend prioritized insurance and protection strategies.
When to Use
- User wants to understand their personal risks
- User is starting insurance planning from scratch
- User asks "what risks should I be protecting against?"
- User wants to prioritize which insurance to buy first
- User has had a major life event and wants to reassess risk
How to Use
- Conduct a risk assessment questionnaire: age, health status, job type, dependents, assets, debts, lifestyle habits
- Score risks across categories: mortality, morbidity (illness/disability), property, liability, income disruption
- Generate a risk profile with high/medium/low ratings per category
- Map risks to appropriate insurance solutions
- Prioritize by impact × probability
- Provide a phased protection plan based on budget
Examples
- "Help me figure out what risks I should be insuring against"
- "I'm a freelancer with no employer benefits, what's my risk profile?"
- "I just had a baby, what risks do I now need to protect against?"