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Insurance commission calculator

Insurance income is front-loaded in the first year and then annuitised through renewals, so a book’s real value shows up in year three and beyond.

Policies sold per yearAverage annual premium ($)First year commission (%)Renewal commission (%)Retention rate (%)Years in business

This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.

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