Insurance Company Financial Model - Dynamic 10 Year Forecast
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Insurance Company Financial Model - Dynamic 10 Year Forecast

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User-friendly Financial Model presenting a business scenario of an Insurance Company.

Suitable for either a startup or existing company, the model is a flexible tool for business owners to control and improve daily operations and forecast the company- growth.

It includes assumptions and calculations of total insurance policies for 5 different insurance types (Life, Health, Disability, Home and Auto), revenue sources (premiums, investments, etc.), Directs Costs (Claims, Brokers Commissions, etc.), Direct and Indirect Payroll plan (headcount, salaries, commissions, bonus, etc.), Operating Expenses, Capital Expenditures, business Financing assumptions through Debt & Equity and Valuation multiples and exit assumptions in case of a potential future sale.

The template's outputs include Annual Forecasted Financial Statements (3 Statement Model), Annual Direct Cash Flow, Breakeven Analysis, Business Valuation and Investors Returns Waterfall.

A variety of KPIs and Financial Ratios analyzes business performance and the company- results are presented through sophisticated charts & graphs and are summarized on a professional Executive Dashboard.

The model is dynamic and allows users to select the desired forecasted Years (1 to 10). Output Reports & Charts are dynamically updated based on the selected forecast period.

Model Structure


• General Business Info

• Insurance Contracts Assumptions (Total Contracts, Cancellations Rate, Premium per type, etc.)

• Other Revenue Sources (Investments, realized gains, etc.)

• Direct Costs Assumptions (Claims, Brokers Commissions, etc.)

• Payroll, OPEX & CAPEX Assumptions

• Operating Scenarios

• Financing & Capital Structure - Uses & Sources of Cash analysis (Financing through Equity & Debt)

• Exit Year Scenario & Valuation Multiples


• Annual Financial Statements (Dynamic 10-Year forecast using a 3 Statement Financial Model)

• Annual Direct Cash Flow

• Breakeven Analysis

• Summary of various KPIs and Financial Ratios (Buyers/Sellers Metrics, Revenue & Cost Metrics, ROE, ROIC, Profit Margins, etc.)

• Business Valuation (incl. Enterprise & Equity Value, Terminal Value, Unlevered & Levered Cash Flow, Return Metrics & Sensitivity Analysis)

• Investor Returns (4-tier IRR hurdle waterfall model to distribute proceeds between investors)

• Business Performance Dashboard

• Exit Year Executive Summary (can be used for investment decisions)

Detailed instructions on the use of the model are included in the Excel file.

Help & Support

Committed to high quality and customer satisfaction, all our templates follow best practice financial modeling principles and are thoughtfully and carefully designed, keeping the user- needs and comfort in mind.

No matter if you have no experience or you are well versed in finance, accounting, and the use of Microsoft Excel, our professional financial models are the right tools to boost your business operations!

If you however experience any difficulty while using this template and you are not able to find the appropriate guidance in the provided instructions, please feel free to contact us for assistance.

If you need a template customized for your business requirements, please e-mail us and provide a brief explanation of your specific needs.

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