Key person insurance cover is a simple, cost-effective solution that provides security and certainty for a business.The ongoing profitability and capital value of the business is largely reliant on the input of 'Key People' in the business. It follows that business owners should never underestimate the importance of human assets, not only as crucial to your business, but critical to its sustainable success.

To discuss your key person insurance options, contact your local adviser.

The information generated by this calculator is of a general and preliminary nature only and has been provided without taking full account of your objectives, financial situation or needs. You should not act on this advice until you have fully considered your personal circumstances and received a full statement of advice and product disclosure statement.

Assessment scale Level
Not applicable 1
Limited 2
Satisfactory 3
Strong 4
Exceptional 5
Goodwill Level
Clients look to the person rather than the company
High profile in industry and/or with stockholders
Important connections
Sales Level
High producer
Leader/motivator of sales teams
Responsible for key clients
Organisation and motivation Level
Effective planner, organiser for future expansion, business direction, etc.
Motivates staff
Keeps the organisation operating smoothly and effectively
Specialist skills Level
Rare or specialised skills/talents
Deep/wide industry experience
Responsible for research and development
Profitable ideas Level
Possesses flair - the ideas person
Spots commercial opportunities and how to exploit them
Crystallises future direction for most profitable growth
Replacement Level
Difficult to replace quickly
Costly to replace (package, use of head hunter)
Long learning curve for replacement
Enter a salary package value: $
Key Personnel Value: $0.00
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