Free emergency fund assessment template — score liquidity readiness across cash buffer, income resilience, expense flexibility and access, and generate an AI readiness report. Clients learn in five minutes how many months of expenses they could actually cover.
Quick answer
Clients learn in five minutes how many months of expenses they could actually cover.
Disclaimer: this page and its AI report are for self-reflection and process reference only. They do not constitute medical, psychological, financial, legal or safety advice. Consult a qualified professional when needed.
Methodology: items are a structural adaptation of widely used frameworks, not an official version; scoring is indicative, not diagnostic.
The Emergency Fund Assessment quantifies how long a client could stay afloat without income. It scores the cash buffer against monthly obligations, speed of access, stability of income, fixed-cost weight and borrowing fallbacks on a 1–5 scale, then converts the answers into a liquidity-readiness profile. The generated AI PDF report translates the score into plain language — how many months of cover they realistically have and which dimension to strengthen first — before any product conversation happens.
| Template | Emergency Fund Assessment |
|---|---|
| Category | Finance & Insurance |
| Format | Scored 1–5 assessment with a personalised AI report |
| Time to complete | About 10 minutes per response |
| What you get | A months-of-cover liquidity score and an AI report setting a reserve target |
| Best for | Advisers · Clients · Coaches |
| Cost | Free to copy and customize on FormLM |
Preview the sample assessment and the AI liquidity report it produces.
Everything you need to run this template.
From copy to deliverable in four steps.
Copy the form and its scoring, report and branding settings into your FormLM workspace — free.
Adjust fields, options and dimensions to match advisers and insurance professionals.
Send the link or QR; every response is captured automatically.
Open the personalized AI PDF report and share it with stakeholders.
Pick your role — see how it fits your workflow.
Advisers open protection conversations with a liquidity score.
Clients see their true months-of-cover before any pitch.
Coaches track buffer building across review cycles.
What makes this template work as a professional deliverable.
A preview of real questions — the full version adds scoring and a personalized report per respondent.
