Agent Revenue Calculator

These projections use industry benchmarks for close ratios, retention rates, and commission rates. Your actual results will depend on your market, effort, product mix, and client quality. We designed this tool to be conservative — many agents exceed these numbers.

No. Profit sharing depends on the collective loss ratio of the IPA network and individual carrier profitability. When the business written is profitable, carriers share a portion of that profit. We include it here as an estimate based on industry norms.

You keep 80% of commissions, IPA keeps 20%. As your agency grows and hits volume thresholds, you transition to a flat monthly fee — at that point, you keep 100% of commissions minus a fixed cost. This means your effective rate improves the more you write.

With access to 50+ carriers, you can shop each client across multiple options and find competitive rates. Captive agents are limited to one carrier — if that carrier's rate isn't competitive, you lose the client. More options = more wins.

Yes. From day one. No exit fees, no buyout clauses, no vesting period. You can sell it, pass it to family, or take it with you. This is why your book has real, sellable value.