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#

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?"