Free Tool
Agent Revenue Calculator
See what independence could mean for your income. Enter your current numbers and compare your 3-year earning potential with IPA.
Your Current Situation
$500,000
$50K$3M
$1,800
$500$5,000
10%
5%20%
12%
3%80%
30
5150
Frequently Asked Questions
How does the year-by-year projection work?+
Both paths include your ongoing new business production (quotes per month × close ratio × avg premium). The "Stay" side shows your book with current retention and economics. The IPA side shows your book with IPA's higher close ratio, better retention, and commission structure.
Why would a captive agent start from scratch at IPA?+
Most captive agents cannot take their book when they leave — clients stay with the carrier. With IPA, you start fresh but with 50+ carriers, a higher close ratio, and you own every policy from day one. Year 1 will likely be lower income, but the compounding growth and ownership make up for it quickly.
How does the 80/20 split work?+
You keep 80% of commissions, IPA keeps 20%. When your book premium exceeds $1.3M, you transition to a flat $495/month fee — meaning you keep nearly 100% of commissions at scale.
Is profit sharing guaranteed?+
No. Profit sharing depends on the collective loss ratio and carrier profitability. We estimate 1-2% of book premium based on industry norms, but actual amounts vary year to year.
Why is the close ratio higher at IPA?+
With 50+ carriers, you can quote each client across many options. If one carrier isn't competitive, another likely is. Captive agents with one carrier lose deals whenever their rates aren't the best. More carriers = more competitive quotes = more wins.
Do I really own my book with IPA?+
Yes. From day one. No exit fees, no buyout clauses, no vesting period, no approval needed to sell or transfer.