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Family · papers, people, plans

Would anyone know where everything is?

Who could act for you, where the papers are, and whether the cover matches who depends on you. For your own household, or a parent you help.

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Needs 6 answers · about 4 minutes

Not an insurer, agent or broker. CoverScore doesn’t sell insurance.

66
±10
watch
moderate confidence
likely range 56–76

A relative ranking of preparedness among households like yours — not a probability.

51% of adults own life insurance; 40% (~100 million adults) say they need it or more of it; 47% would face hardship within 6 months of a primary earner's death.

life.insurance.gap

SSA actuaries: a 20-year-old man has a 10.6% chance of dying before retirement age without ever qualifying as disabled; a woman 5.4% (combined 8.0%).

life.death.before_nra

23.7% of today's 20-year-old workers will qualify for Social Security disability before age 67 — under a definition stricter than most private policies (≥12 months or fatal).

life.disability.before_nra

Sample
Sample report · a sample household

Life cover is right, but there’s no healthcare directive.

Sample

Top flag: Your will is 9 years old and nobody else knows where it is.

Illustrative numbers for a sample household. Your report shows your own, with its confidence range. The score is a ranking, never a probability.

  • on track
  • watch
  • act now
What we check

Four questions every family eventually has to answer, usually at the worst moment.

We use your state’s own forms and rules. Papers go in your vault, with exactly who can open them and when.

Who can actwatch · 58 (sample)

Power of attorney, healthcare proxy.

Weight 30% · read from state forms

Papers on fileact now · 52 (sample)

Will, directive, IDs, deeds.

Weight 25% · read from your vault

Dependents coveredon track · 82 (sample)

Life and disability against who depends on you.

Weight 25% · read from your policies

Wishes writtenwatch · 61 (sample)

Final wishes, guardians, legacy contact.

Weight 20% · read from your answers

Sample red flags

What stands out first

  • high
    No healthcare directive
    Doctors default to state rules, not your wishes.
  • medium
    Will is 9 years old
    Written before your second child.
  • medium
    No legacy contact
    Nobody can reach your accounts or photos.
Fixes · free first

What you can do about it

  1. Sign your state’s healthcare directive+7 pts (sample)
    Free / DIY$0state form
  2. Name a legacy contact+4 pts (sample)
    Free / DIY$0in your vault
  3. Scan your will to Papers+3 pts (sample)
    Free / DIY$0in your vault
  4. Update the will with an attorney+6 pts (sample)
    $300–$1,200local attorneyWe may earn a fee
Partners

When the person you’re planning for is your parent.

  • HelpMyBoomer
    Plan with a parent

    Guides for the conversations that fill in what you don’t know about a parent’s setup.

    Run a parent’s Family report from your vault, with their permission.

    We may earn a fee

Cover the rest

Cover that follows the people, not the paperwork.

We check that life cover matches who depends on you, and that the beneficiaries are still right.

  • Term life to youngest’s 19th
    Matched to the mortgage and kids.
    Covered
  • Beneficiaries current
    One account names an ex-spouse.
    Below estimate
  • Long-term care
    Worth a conversation after 50.
    Not covered
  • Free option: Sign your state’s healthcare directive
    Listed first in the fixes above. Nothing in this table is a recommendation to buy.
    Free
What this is, and what it isn’t

CoverScore provides general educational information about insurance, not insurance advice. We are not a licensed insurance agent, broker, or consultant. Figures shown are drawn from your own policy documents and from published sources, which are cited. For advice about your specific situation, talk to a licensed insurance professional.

Sources for this lens

Where the data comes from

4 places checked for this score. List last reviewed 2026-11-02.

  • State power-of-attorney formsreviewed 2026-11-02
  • State advance-directive formsreviewed 2026-11-02
  • State probate thresholdsreviewed 2026-11-02
  • Your policies (family)reviewed 2026-11-02
What happens when you run it

Four steps, free first

  1. Step 1

    Add what it needs

    Needs 6 answers. About 4 minutes.

  2. Step 2

    We check the sources

    Public and licensed sources, each cited with its review date.

  3. Step 3

    Read the score and its range

    A ranking with an honest confidence band, never a bare number.

  4. Step 4

    Start with the free fixes

    Free and DIY options are listed before anything paid.

Questions

Plain answers

Is this legal advice?

No. We point you to your state’s official forms and tell you when an attorney is worth it.

Who can see my papers?

Only you and the people you name, and only the shelves you choose.

Can I do this for my parent?

Yes, with their permission, as a person in your vault.

Save to your vault

A report is a snapshot. Your vault keeps it, and shows what changed.

Save to your vault →