Risk Advisory / Families and individuals
Family Risk Assessment
A full review of the risks that could take a bite out of your family finances: your home, income, health, liability, vehicles, digital life and the paperwork that holds it all together.
Who this is for
- Homeowners and families who want to know if their insurance and planning really fit their life
- Households with a business, rental property, or significant assets that need a closer look
- Anyone who has never had their whole risk picture reviewed in one place
What you get
- A guided intake. You complete a clear workbook at your own pace. Ten core sections cover every household. Three optional sections apply only if you own a business, rent out property, or hold complex or high-value assets.
- Your RMOS Risk Index™ score. A single number from 0 to 1000 that shows where you stand, plus how each area of your life contributes to it.
- A prioritized findings report. What is exposed, why it matters, and which gaps to close first, in plain language.
- An action review call. We walk through the report together and agree on next steps.
How it works
- Discovery call. A short conversation to understand your situation.
- Engagement letter. A written scope and fee. Work starts only after you sign.
- Intake and review. You complete the workbook. We review documents and ask follow-up questions.
- Scoring and report. We score each risk area, weighted for families.
- Action review. We walk you through the results and agree on next steps.
Common questions
Do I need to be wealthy to use this?
No. The assessment scales to the household. The optional sections for complex assets are only used when they apply to you.
Is this an insurance quote?
No. It is an independent review. You can take the findings to any licensed professional.
How long does the intake take?
It depends on how organized your records are. The workbook is designed so you can save your progress and come back to it.
Is my information kept private?
Yes. Engagements are covered by IAG’s written privacy and data handling policy, which is part of your engagement letter.
Every assessment ends with an RMOS Risk Index™ score weighted for your type of client. How the score works. Other assessments: Business · Community Association · CRE Portfolio
See your risks clearly.
One conversation is enough to find out whether this assessment fits.