Internet Lead ROI Modeler

Model notes: The State toggle at the top sets product mix, average premiums, and commission rates to Michigan or California defaults — adjust any slider afterward to fine-tune. New business and renewal commissions are tracked separately: NB pays at the NB rate, renewals pay at the (sometimes lower) renewal rate. Lead volume is entered per producer per day. Total monthly lead flow scales by producer count × selected delivery schedule (30 days for Sun–Sat, 22 business days for Mon–Fri). Payroll and software costs are entered per producer and scale by the same count. Auto premium is entered as a 6-month (semi-annual) figure — commission is earned at bind on that term, then again at each 6-month renewal. Home premium is annual with commission earned at bind and again at each 12-month renewal. The New Business Accelerator applies as a multiplier on new business commission only. PRIME Annual Growth Bonus is a year-end lump sum paid in Month 12, 24, 36, 48, and 60, calculated as the combined rate (PRIME% + Kicker%, if both qualified) applied to all renewal premium that renewed during that 12-month period. The Kicker only contributes if PRIME is also eligible. Producer Payout reflects compensation paid to producers: in "% of Agency Commission" mode it applies to monthly commission revenue (NB + renewals + accelerator) but excludes year-end PRIME bonuses; in "% of Premium" mode it applies a tiered structure to new business premium written each month — each tier's rate is paid on the band of premium that falls within that tier (like income tax brackets). Year 1 and Year 2 are shown month-by-month; Years 3–5 are summarized in half-year blocks. Retention compounds each renewal cycle.