What's Your Business Worth?
Know the Value of What You've Built.
Your business may be one of your largest financial assets. Yet many owners don't have a current understanding of what their company may actually be worth.
Whether you've never had your business valued or it's been years since your last valuation, the value of your business may look very different today.
Get access to a complimentary informal business valuation and planning analysis designed to help you better understand the value of your business and make more informed decisions about its future.
No Cost • No Obligation • No Pressure
Informal business valuation for planning purposes. Not a certified appraisal.
What You Don't Know About Your Business Value Can Create Real Gaps
Knowing what your business is worth isn't only important when you're ready to sell.
Your business value can affect how much needs to be protected, funded, transferred, or replaced when life—or business—doesn't go according to plan.
You May Not Know What the Business Is Worth Today
Maybe you've never had it valued. Or maybe the business has grown, changed ownership, added employees, taken on debt, or simply changed significantly since its last valuation. The number you have in your head may not be the number you should be planning around.
Your Buy-Sell Funding May No Longer Match
Your Buy-Sell agreement may have been created years ago. But if the company's value has changed, does the agreement—and the life or disability funding behind it—still reflect what an owner's share may be worth today?
Your Protection May Not Have Kept Up
Your business may have grown while your protection stayed the same. Key Person coverage, Buy-Sell funding, life and disability protection, business debt protection, and other strategies may have been established around a very different business.
The Bottom Line
The Risk isn't just not knowing what your business is worth. It's building your protection around the wrong number.
More Than a Number on a Screen
This isn't a quick online calculator that asks for a few numbers and produces an instant estimate.
Through the professional business-planning resources available to us, qualifying businesses can receive a complimentary informal business valuation and planning analysis based on actual business and financial information.
Business Valuation
Gain a clearer understanding of what your business may be worth for planning purposes.
Professional Analysis
Your business is evaluated using professional business-planning resources and appropriate valuation methodologies.
Planning Perspective
Results can help identify considerations involving buy-sell planning, business protection, succession, retirement, and other financial priorities.
For example — Principal's process requests three full years of company tax returns, answers to a set of business questions, and a buy-sell agreement, when applicable.
Rather Than Taking Our Word for It
We have access to advanced business-planning resources through leading insurance carriers.
Principal is one example of the professional resources available through our carrier relationships — see an example of how comprehensive a Business Valuation & Planning Report can be.
See a Sample Business Valuation & Planning ReportSample provided for illustrative purposes. Available valuation resources, reports, eligibility, and analysis may vary by business.
Buy-Sell Planning
What Happens to Your Business If an Owner Can't Continue?
If your business has more than one owner, what happens to an owner's share if they die, become disabled, retire, or leave the company?
Without a plan, the answer may not be as clear as you think.
The agreement creates the plan.
The funding is what makes the plan possible.
Four Questions It Should Answer Before There's a Crisis
A Buy-Sell agreement is a legal agreement that establishes when and how an owner's interest in the business can be transferred or purchased when certain events occur.
Who can purchase the departing owner's interest?
What events trigger a buyout?
How will the ownership interest be valued?
Where will the money come from to complete it?
Life insurance and disability buy-out coverage are among the strategies used to fund a buyout when death or disability is the trigger.
It May No Longer Match the Business You Own Today
If your company has grown in value, changed owners, changed ownership percentages, taken on new obligations, or the agreement simply hasn't been reviewed in years, the funding behind it may no longer reflect your business today.
Current Business Value
Triggering Events
Ownership Provisions
Life Insurance Funding
Disability Funding
The Business Reality
Today's Value vs. Yesterday's Funding
Your agreement could call for a buyout based on today's business value, while the funding behind it was established around yesterday's business. Through our business-planning resources, we can help facilitate a full review.
Have an agreement or need one? The business value comes first — that's why the valuation and the Buy-Sell conversation belong together.
Why Do We Offer This at No Cost?
Because we believe understanding the business should come before recommending how to protect it.
As an independent insurance resource, we have access to professional business-planning, valuation, underwriting, and advanced-market resources through the carriers and organizations we work with.
If your analysis identifies a potential gap involving Buy-Sell funding, Key Person protection, life or disability coverage, business debt, or another protection need, we can help you evaluate your options across the carriers and solutions available to us.
There is no obligation to purchase anything. Ever.
If you need our help after the valuation, we're here. If you don't, you still walk away with a better understanding of the business you've built.
Getting Started Is Simple
Step 01
Tell Us About Your Business
Give us a few basic details about your company so we can determine which available valuation resource may be appropriate.
Step 02
Provide the Required Information
We'll tell you exactly what's needed. Depending on the valuation resource, this may include business financial information, tax returns, ownership information, and an existing Buy-Sell agreement if you have one.
Step 03
Receive & Review Your Analysis
Once your valuation is completed, we review the results with you and help you understand what they may mean for your business and future planning.
Complimentary valuation resources are designed primarily for established businesses. Eligibility requirements vary by valuation resource. We'll determine which available resource may be appropriate for your business.
Access to Leading Business Protection Carriers
We work with a broad range of leading insurance carriers and specialized markets. The companies shown below are just some of the carriers available to us as we evaluate products, underwriting, and coverage strategies for your business.
One business. Multiple solutions. If your valuation identifies a protection or planning need, we can compare multiple carriers, products, and underwriting approaches to help match the right solution to your business.
Explore My Options →Questions About Your Complimentary Business Valuation
Is the valuation really complimentary?
Yes. There is no additional cost for the informal business valuation service we arrange through available business-planning resources, and there is no obligation to purchase anything.
Is this a certified business appraisal?
No. This is an informal business valuation for planning purposes. It isn't a certified appraisal for tax, legal, litigation, or transaction purposes.
What if I've never had my business valued?
That's fine. Establishing a current understanding of your business value is exactly where the process can begin.
What if I already had a valuation done?
That's fine too. Businesses change. If your existing valuation is still current and appropriate, we'll take that into consideration. If the business has changed substantially, it may make sense to establish an updated value.
Can you review my existing Buy-Sell agreement?
Yes. Depending on your situation, we have access to business-planning resources that can review existing Buy-Sell agreements and identify considerations involving business value, ownership provisions, triggering events, and life or disability funding.
Do I have to purchase insurance?
No. There is no obligation and no pressure to purchase anything. If the analysis identifies an area that deserves attention, we'll explain the available options and you decide what happens next.
You Built the Value. Make Sure You Know What You're Protecting.
Whether you've never had your business valued or haven't updated the value in years, understanding what your company may be worth gives you a better foundation for protecting the business, its owners, and what comes next.
Request My Complimentary Business ValuationNo Cost • No Obligation • No Pressure