Business owners · Key-person exposure
What would it cost the business to lose a key person?
Estimate lost profit, replacement costs and callable debt, then compare them with the reserves, credit and coverage the business already has.
How to read this. This is an educational estimate of a planning gap under the assumptions you enter. It is not a quote, a tax opinion or a recommendation, and it does not assess whether any product is suitable for you. Nothing you enter leaves your browser, and nothing is added to the page address.
What it leaves out: taxes, partial disability and recovery curves. Unused credit is shown but not counted. Details are under “Assumptions, sources and limitations” below. Blank optional fields count as $0 and are listed in your result.
What this means, and how we could help
Insurance costs money, requires underwriting and has its own trade-offs; non-insurance options may fit better. Any recommendation comes only after a full review of your facts.
Assumptions, sources and limitations
- Lost profit is annual profit at risk × months to recover ÷ 12, with no recovery curve.
- No tax is applied; the tax treatment of key-person insurance premiums and proceeds depends on structure and is for your accountant to confirm.
Limitations. Disability, partial loss and timing are simplified. Credit lines may be reduced or withdrawn when a key person is lost. Any positive difference is shown as an estimated funding gap.
Sources reviewed November 7, 2026. Ontario corporate rates and Estate Administration Tax were checked against government sources on that date; personal rates, the inclusion rate and the LCGE were carried from our November 3, 2026 check. Every rate can be changed in the form.
Next step
Book a no-cost business-owner review
About 20 minutes. We look at what your corporation should keep accessible, what it should protect, and how the value you have built transfers. No recommendation until we understand the facts, and no obligation.