MY PROTECTION SCORE · FOR FAMILIES
Are You Actually
Protected?
Most families are one medical event away from financial crisis. Not from poor choices. Because nobody ever showed them their protection gap. Does your family have a plan? Most people never think to ask until life forces the question.
Complimentary Service . Results . In Less Than 3 Minutes
THE RESEARCH CONFIRMS IT
Most families have a protection gap they haven't closed.
106M
American adults acknowledge they have a protection gap they have not closed.
2024 Insurance Barometer Study - LIMRA and Life Happens
37%
Of U.S. adults could not cover three months of expenses by any means if their income stopped.
Federal Reserve SHED Report, 2024
THE CRITICAL DIFFERENCE
Being covered and being financially protected are not the same thing.
Most families have some form of coverage. Very few have a protection plan. Here is the difference and why it matters more than any single policy you own.
WHAT MOST FAMILIES BELIEVE
The myths that leave families exposed
What the research actually shows
"My employer coverage is enough."
The median workplace policy covers one year of salary or $20,000. It disappears the moment you change jobs. 49% of families relying on it would struggle within six months if a wage earner died. (LIMRA 2024)
"I set up a policy years ago. I am covered."
Your income, debts, and family have all changed. A policy built for your life five years ago is not built for your life today. Most families need seven to ten times their annual salary in coverage and most fall far short. (ACLI)
"Health insurance will cover it if something happens."
Health insurance pays the hospital. It does not pay your mortgage, your car payment, or your groceries. The bills that do not pause are the ones most families have never planned for.
"I will figure it out when I need to."
41% of Americans say they are only somewhat or not at all knowledgeable about life insurance. By the time most families realize the gap exists, the window to close it affordably has already narrowed. (LIMRA 2025)
"We could not afford more coverage."
72% of Americans overestimate the cost of life insurance. Most families who think they cannot afford it discover they already can. The barrier is awareness, not budget. (LIMRA 2024)
THE A3 SYSTEM - ASSESS. ANALYZE. APPLY.
A process built around
your story
Our proprietary three step protection planning process
ASSESS
Find Your Protection Score
Complete the My Protection Score assessment. 16 questions across Financial Exposure, Critical Illness and Injury, and Death Protection reveal exactly where your family's protection gaps live.
ANALYZE
Understand What You Can Fund
A million dollar strategy means nothing if you cannot fund it. We analyze your cashflow to determine what solutions are realistic and affordable - grounding every recommendation in your financial reality.
APPLY
Receive Your Protection Prescription
With your score and cashflow data in hand, your IYS agent designs a tailored strategy to close your specific protection gaps in a way your family can sustain. Not a product pitch. A real prescription.
YOUR PROTECTION SCORE
In under 3 minutes, you will know exactly where you stand.
The My Protection Score assessment does not sell you anything. It measures your family's protection across three critical categories and delivers a personalized report in plain language, with clear next steps.
16 questions . Under 3 minutes . Instant results
A¹ Assess - Your Protection Score
16 questions across three categories identify your protection gaps across Financial Exposure, Critical IlIness and Injury, and Death Protection. Your score reveals exactly where your family is exposed.
A² Analyze - Your Cashflow Report
A million dollar strategy means nothing if you cannot fund it. We analyze your cashflow to ground every solution in what is realistic and affordable for your family today.
A³ Apply - Your Protection Strategy
With your score and cashflow data in hand, your IYS agent designs a tailored prescription to close your specific protection gaps. Not a product pitch. A real strategy built around your life.
YOUR SCORE
58/100
Story at Moderate Risk
Your protection foundation is developing. There are gaps that need attention.
At Risk
Moderate Risk
Well Protected
DEATH PROTECTION
Partial Gap
Some death protection is in place but coverage amounts may not reflect your current financial obligations.
CRITICAL ILLNESS OR INJURY
Significant Gap
Your family has meaningful exposure if the primary wage earner survives but cannot work.
FINANCIAL EXPOSURE
Partial Gap
Your financial foundation has some structure but cashflow clarity and a written protection plan still need attention.
Death Benefit
The amount paid to your family when the primary wage earner passes away. Its purpose is to replace income and cover the financial obligations that continue after death - mortgage, car payments, daily expenses, and outstanding debts.
Death Benefit
Features of a protection policy that pay out while the insured is still alive. If the primary wage earner is diagnosed with a critical illness, living benefits provide a lump sum to cover the financial obligations that health coverage does not address.
Death Benefit
The degree to which your family's income, assets, and financial obligations are vulnerable to an unexpected event. A family with high financial exposure has limited savings, significant debt, and no written protection plan.
2026 Insure Your Success Insurance Agency . insureyoursuccess.com
FIVE STAR GOOGLE REVIEWS
They learned the difference between covered and protected in one conversation.
★ ★ ★ ★ ★
"I am the sole provider for my family of 4 and discussing life insurance was very important to me. I approached John and all we had was a simple discussion. There was no pressure selling, nothing but a friendly informative conversation. Now my family is protected and won't be left with a financial burden in the worst case scenario. I highly recommend you have this conversation with John."
Johnny P.
Verified Google Review . 5 Stars
★ ★ ★ ★ ★
"Had a fantastic experience working with Insure Your Success. John took the time to educate us in a concise and friendly style that made it so much easier to understand and clarify insurance jargon. John is someone I would confidently trust with my own parents and is now on my speed dial!"
Evan B.
Verified Google Review . 5 Stars
★ ★ ★ ★ ★
"I loved how straightforward this analysis was. It didn't feel overwhelming, but it still pushed me to think deeply about my financial future and the steps I should start taking now. Very well done."
Paul C.
Verified Google Review . 5 Stars
Reviews sourced from
Google Business Profile - Insure Your Success Insurance Agency
ILLUSTRATIVE EXAMPLE . BASED ON REAL CLIENT EXPERIENCES
They thought they were covered. Now, they are protected.
A husband and wife, married nine years, two kids ages 8 and 5. Homeowners in Orange County. Both working, both contributing to the household. They had employer life insurance, some savings, and the quiet confidence that comes from checking the boxes life tells you to check.
They took the My Protection Score assessment together. Each received their own individual score. His came back at 57. Hers at 59. Both landed at Story at Moderate Risk. Their scores were close - which made sense. Same mortgage. Same debt. Same dreams for their kids.
The scenario that changed everything: What if one spouse was in a serious accident and spent the next twelve months unable to work? Not gone. Just unable to contribute. The mortgage does not pause. The car payments do not pause. The kids still need everything they need.
BEFORE THE ASSESSMENT - DOES THEIR PLAN ACHIEVE THEIR GOALS?
Stay in the family home
Employer coverage disappears if they cannot work. Savings cover less than three months of expenses.
Pay off all marital debt
No plan exists to address outstanding debt in a survival scenario. Debt obligations continue regardless.
Fund college for both children
No dedicated protection strategy exists to preserve this goal if income stops for either spouse.
After the A³ System: A protection strategy was built around all three goals. Income replacement for a survival scenario. Debt coverage. College funding protected. Their individual scores moved to Story Well Protected - and the monthly cost fit their actual cashflow.
A Family in Orange County
Married . 2 children ages 8 and 5 . Homeowners
John Ortiz
California Licensed Insurance Professional . Founder, Insure Your Success . Orange County
"I spent years watching families discover their protection gaps after it was too late to close them. The My Protection Score assessment exists because every family deserves to know where they stand before life makes that question urgent. This is not about selling insurance. It is about starting a conversation that most families never have."
CA Licensed
Five Star Google Rating
5 Years . OC Families
- Host of the OC Business Expo- connecting Orange County business owners and families annually
- Founder and President, North Orange County LeTip - structured professional referral network
- Protection Planner for families and business owners across Southern California
YOUR NEXT STEP
Three minutes from now, you will know exactly where you stand.
Answer 16 honest questions about your financial life. Get your Protection Score and a clear picture of what to do next. No cost. No obligation. No sales pitch.
Your information is never shared or sold. No spam. No unsolicited calls.
