Key Person Insurance :: Calculators

Key Person Insurance Financial Calculators

Key Person Insurance is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Keyperson Insurance Calculator
Estimate how much keyperson insurance your business may need to protect against the loss of critical staff. This calculator considers profit contribution, debt exposure and replacement costs to guide appropriate life, TPD and trauma cover.
Life Insurance Calculator
Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.
Business Insurance Calculator
Estimate your business insurance needs with our Business Insurance Calculator. Calculate the right levels of cover to protect your business operations and secure your financial livelihood.

'Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.'


Insurance News

Compliance Warnings Put Key Person Cover Quality Back in Focus
Compliance Warnings Put Key Person Cover Quality Back in Focus
16 Sep 2026: Paige Estritori
Australia's life insurance sector has received another reminder that compliance quality is not an abstract issue. The latest Life Insurance Code compliance reporting points to persistent weaknesses in how insurers communicate with customers, manage claims milestones and maintain controls when service pressure rises. - read more
Why Operational Resilience Now Matters for Key Person Cover
Why Operational Resilience Now Matters for Key Person Cover
09 Sep 2026: Paige Estritori
Australia’s life insurance sector is entering a more demanding phase of operational risk oversight, with APRA’s CPS 230 standard now shaping how insurers manage service disruption, outsourcing, technology failures and critical business processes. While this may sound like a back-office regulatory issue, it has practical consequences for businesses that rely on key person cover to protect cash flow, debt commitments and continuity planning. - read more
Advice Reform Debate Puts Key Person Cover in Focus
Advice Reform Debate Puts Key Person Cover in Focus
02 Sep 2026: Paige Estritori
Australia’s life insurance sector is again focusing on the advice gap, with industry bodies and policy participants continuing to press for reforms that could make practical insurance guidance easier for consumers and businesses to access. The debate sits within the Federal Government’s broader financial advice reform agenda and is particularly relevant for business owners who need cover that is both affordable and properly structured. - read more
Latest APRA Data Points to a More Stable Life Insurance Sector
Latest APRA Data Points to a More Stable Life Insurance Sector
19 Aug 2026: Paige Estritori
APRA's latest quarterly life insurance statistics suggest Australia's life insurance sector is operating on a steadier footing, with profitability and capital strength remaining key themes across the market. For business owners, this is encouraging, but it should not be mistaken for a signal that premiums, underwriting or claims expectations will automatically become simpler. - read more
Life Insurance Articles

Protecting Your Startup: Understanding Keyperson Life Insurance Options
Protecting Your Startup: Understanding Keyperson Life Insurance Options
Keyperson life insurance is a special type of coverage designed to protect businesses against the financial impact associated with the loss of a key team member. Essentially, it acts as a safety net for companies, ensuring that the sudden loss or absence of crucial personnel doesn't jeopardize business operations or continuity. - read more
Key Person Insurance: Protecting Your Most Valuable Assets
Key Person Insurance: Protecting Your Most Valuable Assets
Key person insurance is a form of business insurance designed to help protect a company when a vital person, such as a business owner, executive or indispensable employee, dies, becomes incapacitated or is otherwise unable to continue in their role under the terms of the policy. It provides a financial safety net for the business during a difficult transition. - read more
The Role of an Insurance Broker in Securing Keyperson Insurance Coverage
The Role of an Insurance Broker in Securing Keyperson Insurance Coverage
Keyperson insurance is a type of business insurance designed to protect companies from financial losses that may occur due to the sudden loss of a crucial team member. This insurance policy provides a financial safety net that companies can rely on in difficult times, ensuring continuity and stability. - read more

Knowledgebase
Loss Ratio:
The ratio of claims paid by an insurer to the premiums earned, used as a measure of profitability.