Coverage Estimator
How Much Key Person Insurance Does Your Business Need?
Fill in the details below and we'll calculate your coverage estimate using three different methods — the same approaches used by Canadian underwriters.
Tell Us About Your Business
Enter $0 for any amount that doesn't apply to your situation.
Key Person Profile
Total compensation.
Combined compensation of all owners and managers, including the key person.
What you would pay a qualified replacement.
Years until a replacement is fully effective.
Business Impact
Total business revenue expected over the transition period.
% of sales the business can hold onto without the key person. Default: 50%.
Outstanding balance or limit of business credit line.
Estimated goodwill loss, customer attrition, or other indirect costs.
Business Loans
Total balance of business loans where the key person's life is material to repayment.