Free tool
Insurance Agent Income Calculator
Wondering what you could earn selling insurance? Move the sliders to model your income based on your leads, close rate, and commission — and watch how renewals compound over five years.
Selling Medicare? The Medicare commission calculator models renewal stacking with exact 2026 CMS rates — or find your fit with the 2-minute product quiz.
How agent income actually works
Every policy can pay you twice: a first-year commission when it issues, and smaller renewalseach year the client keeps it. The magic of the business is stacking renewals — year one you eat what you kill, but by year five, renewals from prior years pay you before you make a single new sale. That's why the 5-year outlook above climbs even when your weekly activity stays flat.
The three levers you control most: lead volume (how many people you talk to), your close rate (a skill that improves with reps and good scripts), and persistency (selling the right product at a payment the client keeps). Cheaper leads and live inbound calls raise the first; training raises the second.
Want to go deeper? Read how insurance agent commissions work, how much agents make, and how to become an independent agent.
FAQ
How much do insurance agents make?
It varies widely by product, effort, and lead quality. Income is a function of how many leads you work, your close rate, and your average commission per sale — plus renewals that stack every year. Use the calculator above to model your own numbers. Many full-time final expense and Medicare agents earn six figures once renewals build.
How is insurance agent commission calculated?
Most policies pay a first-year commission when the policy issues, then smaller renewal commissions each year the client keeps the policy. Final expense and life are typically a percentage of premium; Medicare Advantage pays a flat per-enrollment amount set by CMS. This calculator lets you enter your average first-year and renewal commission directly.
What is persistency and why does it matter?
Persistency is the percentage of policies that stay active over time. It's the foundation of renewal income — renewals only pay if the policy stays on the books. Higher persistency means a bigger, compounding renewal stream and fewer chargebacks.
Are these income numbers guaranteed?
No. The calculator produces estimates based on the inputs you provide and is for illustration only. Actual results depend on your effort, licensing, products, carriers, lead quality, and market conditions. It is not a promise of earnings.
Like the numbers? Let's make them real.
Bridgepoint gives independent agents cheaper leads, live inbound calls, training, and carrier contracting — and you keep 100% of your book.
Apply to Bridgepoint