Back to The Insurance Agency Growth System

12 Calculators

Interactive Calculators

Model your revenue metrics in real time. Adjust the inputs to see how pipeline coverage, deal velocity, and compensation scenarios change for insurance agencies.

Annual Review ROI Calculator

Measure the return on investment of conducting systematic annual coverage reviews.

Inputs

Baseline Annual Premium0

Commission Rate (%)12.5%

Retention Rate (%)90%

Annual Growth Rate (%)15%

Cross-Sell Factor1

Results

Year 1 Commission

Year 3 Commission

—

Year 5 Commission

—

10-Year Client LTV

—

Commercial Proposal Pricing Calculator

Build three-tier commercial proposals with carrier rate loading, coverage limit options, and commission yield optimization.

Inputs

Baseline Annual Premium0

Commission Rate (%)12.5%

Retention Rate (%)90%

Annual Growth Rate (%)15%

Cross-Sell Factor1

Results

Year 1 Commission

Year 3 Commission

—

Year 5 Commission

—

10-Year Client LTV

—

Commission Forecast Calculator

Project annual commission income based on premium volume, commission rates, retention, and cross-sell assumptions.

Inputs

Baseline Annual Premium0

Commission Rate (%)12.5%

Retention Rate (%)90%

Annual Growth Rate (%)15%

Cross-Sell Factor1

Results

Year 1 Commission

Year 3 Commission

—

Year 5 Commission

—

10-Year Client LTV

—

Quantify the revenue impact of increasing your policies per household.

Inputs

Total Households25

Current Total Policies25

Target Policies per Household25

Average Premium per New Policy25

Commission Rate (%)25%

Expected Conversion Rate (%)25%

Cross-Sell Lifetime Value Calculator

Calculate the 5-year and 10-year value of moving a client up the auto→home→life→umbrella chain.

Inputs

Baseline Annual Premium0

Commission Rate (%)12.5%

Retention Rate (%)90%

Annual Growth Rate (%)15%

Cross-Sell Factor1

Results

Year 1 Commission

Year 3 Commission

—

Year 5 Commission

—

10-Year Client LTV

—

Compare the return on investment across all your lead sources and channels.

Inputs

Lead Source Name5

Monthly Spend on This Source5

Leads Generated per Month5

Quote Rate (% of leads)5%

Bind Rate (% of quotes)5%

Average Premium per New Client5

Commission Rate (%)5%

Average Client Retention (years)5%

Calculate the true lifetime value of a client including renewals, cross-sells, and referrals.

Inputs

Average Annual Premium2,016

Commission Rate (%)2016%

Average Retention (years)2016%

Additional Policies per Client Over Lifetime2,016

Average Cross-Sell Policy Premium2,016

Clients Who Refer (%)2016%

Average Value of a Referred Client (LTV)$2,016

Policy Stack Bundle Value Calculator

Calculate the total premium, commission, and client LTV impact of bundling auto + home + life + umbrella policies for a single household.

Inputs

Auto Policy Annual Premium1,200

Home Policy Annual Premium1,800

Life Policy Annual Premium800

Umbrella Policy Annual Premium380

Bundle Discount (%)5%

Commission Rate (%)12.5%

Retention Rate (%)92%

Projection Years5

Results

Total Annual Premium

3,971

Annual Commission

496.38

Policies Per Household

Projected LTV Commission

—

Producer Breakeven Calculator

Determine how long until a new producer becomes profitable based on salary, commission split, and production ramp.

Inputs

Baseline Annual Premium0

Commission Rate (%)12.5%

Retention Rate (%)90%

Annual Growth Rate (%)15%

Cross-Sell Factor1

Results

Year 1 Commission

Year 3 Commission

—

Year 5 Commission

—

10-Year Client LTV

—

Project the growth impact of a systematic referral generation program.

Inputs

Total Active Clients5

Current Monthly Referral Rate (%)5%

Target Monthly Referral Rate (%)5%

Average Premium per Referred Client5

Commission Rate (%)5%

Referred Client Retention (years)5%

Monthly Partner Referrals5

Referral Partner Value Calculator

Estimate the annual revenue value of a referral partner based on their volume, conversion rate, and average premium.

Inputs

Baseline Annual Premium0

Commission Rate (%)12.5%

Retention Rate (%)90%

Annual Growth Rate (%)15%

Cross-Sell Factor1

Results

Year 1 Commission

Year 3 Commission

—

Year 5 Commission

—

10-Year Client LTV

—

Calculate the revenue impact of improving your retention rate by 1%, 2%, 3%, or more.

Inputs

Total Active Clients8

Average Annual Premium per Client8

Average Commission Rate (%)8%

Current Retention Rate (%)8%

Target Retention Rate (%)8%

Average Client Lifespan (years)8

Scenario Modeling

Scenario	Attainment	Total Earnings
1% Improvement	%	—
2% Improvement	%	—
3% Improvement	%	—
5% Improvement	%	—