Key Man Cover Calculator

Reason for cover
Amount of cover
Life cover
Critical illness cover
Contribution to profit
Contribution (£) of key person to the gross profit of the business multiplied by years to recovery
OR
contribution (£) of key person to the net profit of the business multiplied by years to recovery
*Total key person cover (excluding loans) should not exceed 2 X average gross profit or 5 X average net profit.
Replacement costs
Agency Fees
Salary/Pension/Bonus
Car Lease
Other - relocation, training
Other Costs
eg. SIPP/SSAS Liquidity

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