Well, you can think of your life portfolio being a combination of idiosyncratic risk (the particular business or unique exposures you have) and systemic risk (exposure to the broader system).

For example, way too many people were piling into SF real estate, right at the time when they felt the most rich from their employee stock options. http://www.snow.ventures/blog/2016/1/13/stopbuyingsfrealesta...

We have a systemic hedge product, and are working on building out the capabilities to create unique portfolios to hedge idiosyncratic risks.