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Key Person Insurance Calculator
Size key-person (key man) insurance by profit contribution, replacement cost and guaranteed loans, or as a multiple of compensation.
Key Person Insurance Calculator
Suggested key-person coverhigher of the profit-contribution and 5× compensation methods
Profit-contribution method
$1,130,000
Multiple-of-compensation (5×)
$1,000,000
Insurers usually accept 5–10× compensation or a profit-based calculation. Premium tax treatment varies by country — check with your accountant.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.