- Your AVYA Protection Score is a number out of 100 that shows how well your current savings, benefits, safeguards and insurance could absorb the exposure Money at Risk estimates.
- It sits alongside your Money at Risk amount, your exposure by area and a prioritised action plan.
- It is built from your answers — and you can refine it with your real figures. It is not a credit score.
- The score is not a judgment. It is a map. The gaps it surfaces are specific, addressable and prioritised for you.
When you complete Money at Risk, you receive a number. That number is your protection score — and it is the starting point of a specific conversation, not a verdict on how well you've managed your life.
A protection score of 44 means something different from a credit score of 44. It is not a measure of financial worth or responsibility. It is a measure of how much of the financial protection picture relevant to your life — your income, your health, your home, your business if you have one, your family's continuity, your future — has been structured.
The score is built from your answers. Not from your bank statements. Not from your policies. Not from any external database. Questions about your actual life — and the score reflects the picture those answers reveal. If you start with estimates, you can replace them with your real figures and the score updates.
What your score looks across
Money at Risk looks across the risks most likely to reach your money. Your Protection Score reflects how well your present arrangements — insurance, savings, safeguards and practical risk controls — could absorb the exposure in the areas relevant to you.
| Area | What it considers |
|---|---|
| Loss of income | If you could not work for several months, how much of your lifestyle, loans and commitments would have to come from savings? |
| Loss of life | If an income stopped permanently, what would the people and commitments depending on it still need? |
| Health and injury | What treatment, recovery and time away from work could cost beyond your present cover. |
| Home and assets | What it would cost to repair or replace the property and belongings everyday life depends on. |
| Liability and business interruption | Whether a client claim, board responsibility or a pause in the business could reach personal or business money. |
| Cyber exposure | How much fraud, account compromise, data loss or recovery costs could put at risk. |
Insurance is only one part of this. An emergency reserve, accessible documents, updated nominees, separated business finances and secure accounts all count.
How to read the score
The score is out of 100. A higher score means more of your estimated exposure is already absorbed by what you have in place; a lower score means more of it would currently fall on your savings, income or investments. Read it together with your Money at Risk amount: the amount shows the scale of the exposure, the exposure by area shows where it sits, and the action plan shows what to do first.
The questions are designed to ask about your situation, not your products. "If you couldn't work for three months — what happens to your income?" is not an insurance question. It's a life question. The answer tells us something meaningful about your actual protection picture, regardless of whether you own an insurance policy or not.
"The score surprised me. I thought I was reasonably sorted. Seeing it mapped across six areas at once showed me exactly which one I'd been avoiding."
What the score is not
It is not a credit score. It has no relationship to your creditworthiness, your income level, or your financial history. It does not affect your ability to get insurance, loans, or any financial product.
It is not shared with any third party. Your answers and your score are yours. AVYA uses aggregate, anonymised data to understand protection gaps across its members — but your individual score and responses are never sold, shared, or used to underwrite insurance without your explicit consent.
It is not a judgment on your choices. A low score does not mean you've been irresponsible. It means some of the structures that protect against common risks haven't been put in place yet. Most of those structures are straightforward to build once you know which ones matter for your specific situation.
What changes your score
The score moves when your actual protection picture moves — not when you buy products for the sake of moving a number. Updating nominees on your accounts moves it. Getting a personal health policy that travels with you regardless of employer moves it. Building a three-month emergency fund moves it. Writing down what happens to your business if you can't show up for 90 days moves it.
What to do with your score
The score is the starting point. The report that accompanies it is the map. Together they give you a prioritised picture — which areas are sorted, which have gaps, and what the most important next step is for your specific situation.
The report is not a generic insurance brochure. It reflects your answers. If your health is employer-dependent, the health section says so specifically. If your home is a rental with no contents cover, the home section says so. If your business depends entirely on you showing up, the business section says so.
Most women find one or two actions from their report that they can take this week — without a financial advisor, without a complicated product decision, and without a large outlay. Those actions move the picture. The score follows.