Need
0.00
Debts 0.00 + education 0.00.
Why this page exists
If they die tomorrow, is the household clear?
Debts plus education lumps, minus life cover.
This is not a policy grid and not a 10× income rule. Add a policy. Type and Product line are closed lists. Riders stay labels — they are not a second gap. Need minus cover. Negative means surplus — fully protected.
- NeedDebts plus education lumps. What must be cleared.
- CoverIn-force life benefit. What pays that day.
- The gapNeed minus cover. Negative means surplus.
CFP / SOA capital needs. Rails are Type and Product line catalogs. Not a 10× rule. Not advice.
§10.16 · golden insurance_portfolio · pytest #5 coverage_gap −83,500 is Demo only. Add a policy. · Amounts are in your base currency. Need is Balance Sheet liabilities plus Kids Education. Outstanding lives on Debts. Open Balance Sheet · Open Debts · Open Kids Education · Open Monthly Budget.
Coverage gap
0.00
Add a policy. Need minus cover. Negative = surplus.
Capital needs · debts + education
Met
Life
0.00
Need
0.00
Liabilities
0.00
Education
0.00
Policies
0
Monthly
0.00
Annual
0.00
Cover 0.00 · Need 0.00 · met
Cover vs the need
Cover
0.00
0 policies. In force today.
Met
0.00
Cover equals need.
Cover · life
Need · debts + education
Live cover 0.00 vs need 0.00. Gap 0.00. Changing a policy updates this. It does not write the budget Insurance line.
Add a policy, then log a check-in — the line appears when you pin a day.
By insured
PieceAmountReadingFigure
Add a policy — the mix appears with the book.
By product line
PieceAmountReadingFigure
Add a policy — the mix appears with the book.
Policies
| Action | Insured | ID | Type | Product line | Policy name | Provider | Number | Commenced (age) | Life benefit | Living / CI | Hospital | Accident | Riders | Nominee | Monthly | Annual |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book | 0.00 | 0.00 | 0.00 |
Life 0.00 · monthly 0.00 · annual 0.00. Provider is a label. Riders stay text. 10× gross 0.00 · cover is 0.00% of that — a footnote, not the gap.
Check-ins
| Date | Life | Premium | Policies | Gap |
|---|---|---|---|---|
| 0.00 | 0.00 | 0 | 0.00 |
Close a check-in to pin cover vs need on the timeline.