Risk Profile

Assess a user's personal risk profile to identify their biggest financial, health, and lifestyle risks and recommend appropriate insurance and protection strategies. Use when users want to understand their risk exposure or are starting their insurance planning.

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

1. Conduct a risk assessment questionnaire: age, health status, job type, dependents, assets, debts, lifestyle habits
2. Score risks across categories: mortality, morbidity (illness/disability), property, liability, income disruption
3. Generate a risk profile with high/medium/low ratings per category
4. Map risks to appropriate insurance solutions
5. Prioritize by impact × probability
6. 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?"