The best life insurance agents don’t just sell well — they negotiate their business arrangements intelligently. The lifeinsurance.jobs Deal Analyzer is designed to show you the number that actually matters before you sign any agency agreement: your projected net income.
What the Deal Analyzer Does
The Deal Analyzer takes the raw inputs from any job offer and calculates your projected Year 1 net income after all costs. Inputs include:
- Commission percentage
- Expected monthly premium production
- Lead cost per month
- Estimated close rate
- Chargeback rate assumption
- Monthly fixed costs (E&O, software, desk fees)
Output: Your projected monthly and annual net income — the real number, not the recruiter’s number.
A Tale of Two Offers
Consider two offers:
Offer A: 100% commission, shared DM leads at $20/each, 24-month vesting, $200/month desk fee
Offer B: 90% commission, exclusive leads at $45/each, immediate vesting, no desk fee
On the surface, Offer A looks better (higher commission). But run both through the Deal Analyzer with realistic production assumptions:
- Offer A Year 1 net: ~$68,000 (high lead cost, shared leads lower close rate, desk fee adds up)
- Offer B Year 1 net: ~$79,000 (lower commission offset by higher close rate on exclusive leads, no fixed costs)
The lower commission contract produces 16% more income. This is why headline commission rates are misleading without context.
Side-by-Side Comparison
The Deal Analyzer lets you model up to three offers simultaneously — so you can see exactly how they stack up before you commit to any of them.
How to Use It
- Get the full disclosure from any agency you’re considering (commission, lead costs, vesting, chargebacks)
- Enter the numbers into the Deal Analyzer
- Compare against other offers or against industry benchmarks
- Use the output to negotiate — or to walk away
The agents who use data to choose their first contract outperform those who don’t — consistently. Use the tool. It’s free.