- Your AVYA protection score is a number between 0 and 100 reflecting how well your financial protection picture is structured across six areas of your life.
- The score is calculated from your actual answers — not your policies, your income, or your credit history.
- Four bands: Fragile (0–25), Partial (26–50), Good (51–75), Strong (76–100). Most women score Partial on their first Uncover.
- The score is not a judgment. It is a map. The gaps it surfaces are specific, addressable, and prioritised for you.
When you complete AVYA Uncover, 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. Twenty questions about your actual life — and the score reflects the picture those answers reveal.
The six areas your score covers
Your protection score is built across six areas. Each area gets a status — Covered, Partial, or Gap — and together they form your protection landscape. The overall score is a weighted reflection of all six.
| Area | What it measures |
|---|---|
| Income | What happens to your finances if you can't work — savings runway, income backup, protection against interruption |
| Life | What happens to the people who depend on you — nominees, document accessibility, life cover |
| Home | Whether your home and its contents are protected against fire, flood, and theft |
| Health | Whether your health cover is adequate, portable, and matches your actual health needs |
| Business | For founders and independent professionals: founder dependency, operational risk, and asset protection |
| Future | Whether you have retirement savings in your own name and a plan for the years ahead |
Business is marked Not Applicable for employed women and caregivers — it doesn't affect their score either way. The score reflects only the areas that are relevant to your persona.
How the score is calculated
Every question in Uncover has answer options with different point values — from 0 (most exposed) to 3 (well protected). Your total points are added up and divided by the maximum points possible for your persona, then multiplied by 100 to give a score on a 0–100 scale.
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 each band means
Your picture has real gaps across multiple areas. This is most common among women who are early in building their financial lives or who haven't had the opportunity to review their protection picture before. It tells you where to start — not how you've failed.
You have some things in place — more than most. The gaps that remain are specific and typically addressable. This is the most common band. It reflects having thought about some dimensions of protection but not yet having a complete picture.
You've thought about this more than most women in your situation. The gaps that remain are specific — the kind a single focused conversation typically resolves. You're building from a solid foundation.
Your picture is genuinely strong. The gaps that remain are edge cases or areas that need reviewing as your life evolves. A Strong score is rare — and worth maintaining as your situation changes.
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.