Financial Shock Protection
Protect the surprise before it becomes a bigger problem.
Unexpected expenses can turn into credit card debt, missed bills, or depleted savings.
Financial Shock Protection provides a fixed cash benefit after a qualifying financial shock. Choose $400 or $1,200 of protection and use the money where your household needs it most.
Currently in development • Not yet available for purchase
Core protection
Choose your level of protection.
Core protection
Reserwell 400
$400 Financial Shock Protection
$11.99/ month
For the unexpected expense that could throw off the month.
- $400 fixed cash benefit
- One qualifying benefit per policy year
- Use the money where you need it most
- Simple digital enrollment
- Annual renewal
Core protection
Reserwell 1,200
$1,200 Financial Shock Protection
$32.99/ month
For a more serious financial shock that could begin draining savings or creating debt.
- $1,200 fixed cash benefit
- One qualifying benefit per policy year
- Use the money where you need it most
- Simple digital enrollment
- Annual renewal
Financial Shock Protection is not yet available for purchase. Selecting an option joins the early-access list; it is not an application for insurance and does not create coverage. Pricing shown is a launch concept and is subject to carrier approval and regulatory review.
How it works
Three steps, in plain language.
- 01
Choose your protection
Select $400 or $1,200.
- 02
A qualifying financial shock happens
Submit the required information through Reserwell.
- 03
Receive your benefit
Once approved, receive the fixed cash benefit and use it where your household needs it most.
Benefits are payable only after a claim is approved under the policy terms. Nothing here guarantees approval or coverage.
Why broader participation matters
You may be able to absorb the shock. Someone else may not.
Some households could handle a $400 surprise without changing course. Others could be pushed into debt by the same expense.
Carrying Reserwell 400 gives your household its own protection if a qualifying event occurs. It also helps build a broader, more balanced pool — which is simply how insurance is meant to work.
Two products
Which product does what, and when.
Protect the surprise
Financial Shock Protection
For a single unexpected financial disruption.
$400 or $1,200 fixed benefit
Protect the gap
Emergency Fund Gap Coverage
For a larger, prolonged essential-expense shortfall.
Designed around your remaining emergency-fund gap
Financial Shock Protection helps absorb the immediate hit. Emergency Fund Gap Coverage is designed for the larger gap that can develop when income stops.
Qualifying events
What kinds of events may qualify?
The covered-event list is still being finalized. These are general examples of the kinds of disruptions the product is being designed around.
- Qualifying medical disruption
- Qualifying temporary inability to work
- Qualifying vehicle disruption
- Qualifying major home-system failure
- Qualifying household property event
- Death or critical illness of an immediate family member
Final qualifying events, exclusions, waiting periods, documentation requirements, and eligibility are governed by the policy terms.
Help shape a new category of household protection.
Reserwell is currently validating Financial Shock Protection and Emergency Fund Gap Coverage. Join Early Access to follow development and indicate which protection interests you most. The initial market is intended to be Utah, subject to carrier participation and all applicable regulatory requirements.