Put family obligations, existing coverage, and usable assets on one page
A protection gap is not an automatic recommendation to buy more insurance. It is a first-pass inventory of debts, family support needs, care reserves, and resources already available.
How to read the result
If a gap appears, first confirm whether current policies overlap, whether assets are genuinely liquid, and how long each obligation lasts.
Practical scenario: A mortgage declines and dependent needs change, so the estimate should be updated rather than treated as permanent.
What the estimate does not include
Actual coverage depends on policy terms, beneficiaries, exclusions, and insurer records.
Treat the result as a range for further verification, then check the original contract, financial institution, or responsible authority before making a material financial decision.