LVF Family Financial Checkup™
How ready is your household?
Answer simple questions about your household’s money and plans. Get a Household Readiness Score, a letter grade, and clear next steps.
- Free to use
- No account required
- No exact account balances required
- Educational, not personalized financial advice
BUILD
Bills, emergency savings, debt, and future goals.
PROTECT
Income, belongings, account safety, and a household backup plan.
PASS IT ON
Who can help, who receives what, care plans, and important records.
This checkup looks at preparation, not how wealthy you are or which products you own. How scoring works.
Your privacy matters.
Choose the answer that fits your household. It is fine to choose “I’m not sure.” We ask about your plans, not private account details.
We do not need your:
- Social Security number or account numbers
- Passwords, usernames, or security answers
- Exact financial account balances
- Medical information or names of family members
Your answers stay in this page’s memory. This tool calculates in your browser. It does not send answers to LVF or save them. Reloading or starting over clears them.
No name or email is needed to see your full result. This page does not track answers, scores, or checkup activity.
More about privacy
The website host may receive normal page-request information, such as your IP address and browser details. Your answers are not included.
Other LVF pages and outside resources have their own tracking, forms, and privacy practices. Any signup there is separate and optional.
Question 1 of 24
Back keeps previous answers. In-page links keep your place. Reloading clears this checkup.
BUILD. PROTECT. PASS IT ON.
Calculating your Household Readiness…
Your household’s readiness.
HOUSEHOLD READINESS GRADE
Household Readiness Score
Keep your results
Download your scores, priorities, next steps, and useful links.
Generated on your device. Store this financial planning report securely.
Download your ready PDFStart a new checkup? This clears the answers and results currently on this page.
About your score
Your score reflects the preparation you reported in the areas LVF asks about. It is a starting point for learning and review—not a credit score, wealth ranking, financial rating, or investment recommendation.
Your LVF Household Readiness Grade is not an independently validated rating. This educational scoring framework is not externally validated. A high grade can still have an important Priority Item.
How this score works
There are 100 possible points: BUILD 35, PROTECT 35, and PASS IT ON 30. The areas below show how those points are divided.
Answers describe plans that are missing, started, mostly ready, or in place. “I’m not sure” affects each question differently; we do not assume a plan exists.
No debt? The repayment-plan question is skipped. No one depends on you for care or support? The care section does not apply. Your total possible score stays 100. A missing plan is not a reason to skip a question.
A serious gap can limit the points in an area. Priority Items are shown separately, even with a high grade. Maintain means keep up the good work; Opportunity means there is room to improve.
Scores are rounded to whole numbers. The three pillar scores add to your total. Grades are A 90–100, B 80–89, C 70–79, D 60–69, and F 0–59.
LVF chose these questions and point weights. Linked sources support education; they do not approve or validate this score. We do not check your documents, coverage, accounts, or the facts behind your answers. No result guarantees readiness. Emergency savings targets vary by household.
Scoring version: 0.5.0
Educational sources
These sources can help you explore next steps. They do not validate the score. Use the guidance that fits your household.
Privacy & your answers
No name, email, exact balance, account number, password, or medical detail is needed. Answers and scores stay in this page’s memory. This tool does not send them to LVF or save them in browser storage. Reloading or starting over clears them.
PDF reports are generated locally and downloaded only when you choose. Store your report securely. This page does not track answers, scores, or checkup activity. The website host may receive normal page-request information, but not your answers. There is no results-by-email feature. Other pages and outside resources have their own privacy practices.
The optional estate-planning choice also stays in this page. Following a referral link does not send your checkup answers. The outside service may track your visit or ask for information separately.
Educational use
This tool provides education, not personal financial, investment, insurance, legal, or tax advice. Results reflect your answers and do not guarantee an outcome. Get qualified help when you need advice for your own situation.
Financial education is available nationwide. Life insurance services are available only where LVF is properly licensed. No purchase, signup, or sales conversation is needed.