Export risk insurance cost.

Export credit insurance protects against non-payment by foreign customers (insolvency, political risk). Premium typically 0.3-1.5% of insured exposure, adjusted for country risk. Low-risk markets (Western Europe): 0.3-0.5%. Medium (Latin America, parts of Asia): 0.5-1.0%. High (Africa, Middle East unstable): 1.0-2.5%+.

500k exposure × 0.5% × 1.5x country risk × (90/90) = 3,750. Adds 0.75% to deal cost - small price for protection on 500k exposure to potentially unreliable counterparty. Most established exporters insure 70-80% of foreign sales by value.

Export Finance (UKEF) provides government-backed export credit insurance, often more affordable than private. Worth comparing UKEF vs private (Atradius, Coface, Allianz Trade) for individual transactions. UKEF generally cheaper for emerging markets and longer-term trade; private insurers competitive for short-term EU exposure.

A worked example

Try the defaults: exposure value of 500,000, base premium rate of 0.5%, country risk multiplier of 1.5, payment term of 90. The tool returns 3,750.00. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.

What moves the number most

The result responds to Exposure Value, Base Premium Rate %, Country Risk Multiplier, and Payment Term (days). Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

The formula behind this

Base = exposure × rate. Adjusted = base × country risk. Term-adjusted = adjusted × (days/90). Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.

What the score tells you

Headline financial numbers — income, savings, debt — each tell part of the story. This calculation stitches several together into a single read you can track over time. The value is in the direction, not the absolute number.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.