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The Key Person Protection Engine

Joey Coleman · 8-Phase · Section 162 Executive Bonus · Key Person AI Suite

Key Person Registry

Identify and quantify your critical talent before starting the diagnostic.

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Registered Key People

Add at least 1 key person to begin

Name Title / Role Est. Annual Revenue Impact ($)

CEPA Readiness Scorecard

Quantifying Key Person Exposure and Protection Readiness.

Key People Identified

Formal Analysis Complete

Coverage In Force

Active KP Insurance

Annual Review Process

Recurring Coverage Audit

Comp Strategy Integration

Tied to Business Continuity

Coverage Calculator

Process Friction Loss

$0

Est. annual NIGO cost (hrs × $150 × 10 cases × 40%)

Total Key Person Exposure

Key People × Avg Revenue × 1.5x Multiplier

$0

Coverage Gap

Exposure − Existing Coverage

$0

Est. Annual Premium Range

$0 – $0

0.5% – 1.5% of coverage (Perm WL/UL)

Section 162 Executive Bonus Alpha

Premium deductibility savings (C-Corp: 21% corp rate)

$0

Protection Success Probability
12%

Formula

P = 12% + (Score × 0.82)

Based on 88% key person coverage gap in SMBs

Key Person AI Suite

Claude Opus (diagnostic) · Claude Sonnet (briefs) · Cloudflare Worker proxy

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Readiness Scanner

8-Phase Key Person Diagnostic ✨

What you'll get

  • Phase-by-phase key person readiness ratings (1–5)
  • AI gap analysis per Coleman phase
  • Priority actions ranked by urgency
  • Radar chart across all 8 phases
  • Copyable client-ready narrative
  • Save & compare multiple runs
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Intermediary Briefs

COI Technical Memo + H2H Client Script ✨

Enter context above to concurrently generate
a COI Technical Memo and H2H Client Script