Financial Risk Assessment

Could Your Marriage
Survive on One
Income?

Most newlyweds can't. Find out in 90 seconds.

No email required · 5 questions · Instant result

Scroll to audit
68%Of couples lack adequate disability coverage
$3,200/moAverage income replacement gap
4.2Months before savings run out

Financial Vulnerability Audit

Four ways your finances are exposed
before you've even noticed

UNPROTECTEDAudit Item 01

Your mortgage has two signatures. Your income protection has zero.

You co-signed a $340,000 mortgage — what covers it if you can't work for six months? Your lender doesn't care about your diagnosis. The payment is due on the 1st.

Most employer short-term disability plans replace only 60% of base salary, exclude bonuses, and cap at $1,500/week. On a combined household income of $140K, that's a $4,200/month shortfall.

Income Replacement Analysis
Gross income replaced (employer plan)60%
After-tax replacement rate44%
Fixed obligations covered31%
Shield coverage target80%
Monthly gap at current coverage−$4,200
EXPOSURE DETECTEDAudit Item 02

Half a car payment on half an income isn't math — it's a crisis.

You split a $698/month car payment down the middle. If one income disappears, you're covering $698 on $0 from that side of the equation.

Fixed obligations don't negotiate. Car loans, student debt, and joint credit lines report late payments to both credit files. One missed payment is both of your problems.

Fixed Obligation Stress Test

Mortgage

$2,240

AT RISK

Car Payment

$698

AT RISK

Student Loans

$520

AT RISK

Utilities + Phone

$340

Total monthly fixed obligations$3,798
CRITICAL GAPAudit Item 03

4.2 months of savings sounds safe. The elimination period is 90 days.

The average newlywed couple has 4.2 months of expenses saved. The standard disability policy elimination period is 90 days. That's a 3-week buffer between your savings and your first benefit check.

A 30-day elimination period costs roughly 18% more in premium. Most couples who price-shop choose 90 days — then discover the gap when it's too late to change.

Savings Runway vs. Benefit Timeline
Month 0Month 3Month 6
SAVINGS
WAIT
BENEFITS
GAP

4.2 mo

Savings runway

90 days

Elimination period

3 weeks

Unprotected gap

FALSE SECURITYAudit Item 04

Your employer's group policy is a floor. You're living on the ceiling.

Group disability through work covers you — until you leave, get laid off, or your company changes carriers. Individual disability insurance follows you regardless of employment status.

Employer group policies are non-portable, income-capped, and taxable as ordinary income if your employer paid the premium. The check you receive is smaller than you think.

Group vs. Individual Policy Comparison
EmployerShield
Portable
Own-occupation
Tax-free benefit
No income cap
Spouse coverage

90-Second Assessment

Know your exact exposure.
Before you need to.

How Shield Works

A benefit timeline that actually
covers the gap

Benefit Period Timeline

Elimination Period

30 or 90 days

You wait. Savings carry you.

Short-Term Benefits

Months 1–6

Shield replaces 70–80% of income.

Long-Term Benefits

Up to age 65

Full benefit period. Mortgage protected.

Own-Occupation Definition

You're disabled if you can't do YOUR job — not just any job. A surgeon with a hand injury is covered even if they can still work a desk.

Non-Cancelable & Guaranteed Renewable

We can never raise your premium or cancel your policy as long as you pay. The price you lock in at 29 stays locked.

Portable Across Jobs

Your policy follows you — startup to startup, job loss to freelance. It's yours, not your employer's.

Tax-Free Benefit Payments

When you pay the premium yourself, benefits are tax-free. The check you receive is the check you keep.

90-Second Assessment

Know your exact exposure.
Before you need to.

Couples Who Ran the Audit

The math didn't lie for them.
It won't lie for you.

"We closed on our house in June and started a Shield policy in August. By October, Marcus had emergency surgery and was out for 11 weeks. The benefit check covered our mortgage, both car payments, and our student loans exactly. We didn't touch savings."

$6,200Monthly benefit received

Priya & Marcus Holloway

Austin, TX · Married 14 months · $312K mortgage

"The audit tool showed us we had a $3,800/month gap we didn't know existed. Our employer plans covered barely half of what we owe every month. We thought we were fine. We weren't."

$3,800Monthly gap identified

Daniel & Sofía Restrepo

Denver, CO · Married 8 months · Combined income $158K

"I'm a physical therapist. If I lose the use of my hands, I lose my career — even if I could technically push a broom. Shield's own-occupation definition is the only reason I'd ever buy disability coverage. Nothing else counts."

$8,500Monthly own-occ benefit

Yuki Tanaka

Seattle, WA · Married 2 years · DPT, own-occupation rider

The kitchen table moment

You've done the hard part.
Now protect it.

You merged your income, your debt, and your future into one balance sheet. Find out in 90 seconds what it takes to keep it standing.

No email required · Free · Takes 90 seconds