FlorinsProtect

Large organisations manage risk with registers, heat maps and simulation. Now your household can too.

Most households buy cover on a hunch. A round number for life insurance. A home policy unchecked since the renovation. FlorinsProtect replaces the hunch with the methods insurers and corporate risk teams use. It simulates millions of possible years for your household, runs until the answer stops moving, then tells you plainly whether your cover is enough.

Enterprise risk management, brought home.

Start in minutes
Add the adults in your household, their incomes, your dependants and the cover you hold. FlorinsProtect builds the rest. Or explore a worked sample household first.

Every risk on one register
Life, disablement, critical illness, time off work, hospital costs, home, contents, vehicles, natural disasters and liability. Business owners can add cyber, business interruption, key person and professional indemnity.

Millions of years, run to convergence
Every analysis adds simulated years until each headline figure sits within your chosen tolerance at 95% confidence. You see the trial count and the confidence band. No figure appears before it settles.

The right maths for every risk
Gompertz–Makeham mortality for life risks. Poisson and negative binomial counts for how often. Lognormal, Weibull, Pareto and spliced tails for how much. Disasters hit your home, contents and car together, as they do in real life.

One score you can act on
Your protection score, out of 100, condenses the simulation into one honest measure. Beside it: your expected uninsured cost, your 1-in-100-year loss and the chance a bad year overwhelms your savings.

Know if each policy is enough
Enter the terms from your policy schedule. FlorinsProtect shows how often that cover falls short, and the amount that meets the need at 90%, 95% or 99% confidence.

See where you are exposed
Heat maps in the style of AS ISO 31000:2018 show every risk before and after your cover. A breakdown of your worst years shows which gap matters most.

A treatment plan, built for you
FlorinsProtect turns the results into a prioritised plan using the four classic treatments: transfer, reduce, retain and avoid. The plan is tested on the same simulated years as today, so the difference is the plan, not chance.

Ten years ahead, stress-tested
Run a steady course, climate acceleration, a cost-of-living squeeze or a recession. Your household ages, incomes and costs move, and hazards change. Each checkpoint year converges twice: as things stand and with your plan.

Show the working
Open the full loss distribution, return periods to 1 in 10,000, expected shortfall and the convergence trace. Set the tolerance and the random seed. The same seed gives the same answer on every device.

Private by design
No account, no sign-in and no tracking. FlorinsProtect makes no network connections, so your household profile and results stay on your device.

Made for every Apple screen
Designed with Liquid Glass for iPhone, iPad, Mac and Apple Vision Pro. Risk levels use shape as well as colour, and text meets WCAG 2.2 AA contrast in light and dark mode.

Important information
FlorinsProtect provides factual information and general advice only. It does not take into account your objectives, financial situation or needs. It does not sell insurance or recommend any insurer. Results are simulations based on the details you enter and indicative population assumptions, not insurer pricing, predictions or guarantees. Before you act, consider whether the information is appropriate for you and read the Product Disclosure Statement and Target Market Determination for any insurance product. You may wish to speak to a licensed financial adviser.

FlorinsProtect is published by Eagles Flight Solutions, a Metro Advisory company.