# Business insurance how much cover is needed? Fact Sheet - October 2014

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5 Templates Key person insurance (revenue purpose) Term life insurance Client data Label Gross annual salary package of life insured \$ A Gross annual business revenue attributable to life insured \$ B Less: business expense attributable to life insured \$ C Net business revenue attributable to life insured \$ B - C = D Maximum loss of revenue over 2 years \$ 2* x D = E Add: cost of replacement and recruitment of key staff \$ A x 50%* = F Suggested term life insurance \$ E + F = G Less: existing term life insurance for purpose of key person insurance \$ H Term life insurance shortfall \$ G - H Suggested trauma insurance \$ G Less: existing trauma insurance for purpose of key person insurance \$ J shortfall \$ G - J Suggested TPD insurance \$ G Less: existing TPD insurance for purpose of key person insurance \$ L TPD insurance shortfall \$ G - L * A different period and percentage may be appropriate. Asteron Life 5

6 Key person insurance (guarantor cover - capital purpose) Term life insurance Client data Label Client data Label Total business debt \$ A % life insured is responsible (% of business ownership) % B Suggested term life insurance \$ A x B = C Less: existing term life insurance for purpose of debt insurance \$ D Term life insurance shortfall \$ C - D Suggested trauma insurance \$ C Less: existing trauma insurance for purpose of debt insurance \$ F shortfall \$ C - F Suggested TPD insurance \$ C Less: existing TPD insurance for purpose of debt insurance \$ G TPD insurance shortfall \$ C - G Asteron Life 6

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