Key Person Coverage Estimator
A rough figure to bring into a real continuity conversation. It's a starting point that helps frame the discussion, not a quote or a recommendation.
Key Person Coverage Estimator
EstimateEnter your numbers to see an educational estimate.
A concrete number is easier to react to and refine with your professionals.
For education only. These calculators are for educational purposes only. They are not recommendations, quotes, tax advice, legal advice, financial advice, or guarantees. Actual needs depend on your full situation, policy terms, carrier rules, contract terms, and professional guidance.
Who this is for
- Owners sizing up key person coverage
- Partners weighing the impact of losing an essential person
How this estimate works
This combines a few years of the person's compensation with a rough replacement cost to frame the economic impact of their loss. It's intentionally simple. Real coverage amounts depend on that person's true impact and your situation, confirmed with your CPA where appropriate.
Reading your result
What this result means
- A rough sense of the economic impact if a key person were suddenly gone
- A starting figure to bring to a real continuity conversation
What it doesn’t mean
- A quote or the actual cost of coverage
- A precise valuation of that person's worth to the business
- A recommendation about how much coverage to buy
Questions this raises
- What would this person's loss actually cost the business?
- How long would it take to recover, realistically?
- What amount would give us room to steady and rebuild?
- Have we confirmed the approach with our professionals?
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Ready to turn a guide into a plan?
It's free, and you'll leave clearer than you arrived.
Important disclosures
Educational only. Business continuity strategies involve tax, legal, and valuation considerations that must be confirmed with your CPA, attorney, and other qualified professionals. Guarantees are subject to the claims-paying ability of the issuing carrier. NOI does not provide tax, legal, or investment advice.