Death of a Provider

The loss of a primary earner or caregiver permanently reshapes a household - it takes away an income for good, not for a while, and an unprepared family can lose its home and the life it had - a major, lasting Impact that stops short of the very top only because the survivors, unlike the person lost, do recover in time.

Not something most families face in any given decade, so the Likelihood is low even though it eventually reaches everyone.

This number is yours. It measures how hard Death of a Provider would actually hit your household given what you already have in place. Rate it in Threat Planning — then all three multiply into your personal threat rating.