Free tool

Protect the business, the owner, and the deal.

Two quick estimates for owners: replacing a key person, and funding a buy-sell of your share. Each takes under a minute.

Two quick estimates for owners: what it would take to replace a key person, and to fund a buy-sell of your share. Nothing you enter is saved or sent.

Key-person coverage

Buy-sell funding (your share)

A quick, honest note. This tool gives a rough, educational estimate to help you think things through. It is not insurance, financial, tax, or legal advice, and it is not a quote or an offer of coverage. Everything you type stays in your browser on your device — nothing is saved, sent, or seen by anyone. Your real number depends on details a calculator cannot capture, so treat this as a starting point for a proper conversation. A business valuation should be set with your accountant, and who owns these policies matters for tax, so build the structure with your accountant and lawyer.

Common questions

What is key-person insurance?

It is coverage the business owns on someone critical to it, often an owner or top performer. If that person dies or becomes disabled, the policy gives the company cash to keep running, recruit a replacement, and steady lenders and clients.

How much should a buy-sell agreement be funded for?

Usually each owner's share of the business value, so the remaining owners have the cash to buy that share at the agreed price. This tool estimates your share; the business valuation itself should be set with your accountant.

Who should own these policies?

It depends on tax and structure, and it should be set up with your accountant and lawyer. Getting the ownership and beneficiary arrangement right is what makes the money land cleanly where it is needed.

Want this pressure-tested?

These numbers are a starting point, not a plan. Book a 15-minute clarity call and we will work through your real situation together. No cost, no obligation, and I promise I will not try to sell you anything.

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