Retail Program Bonus Calculator

Office Location & Area

Look up area by office ZIP code5 digits

Enter a valid 5‑digit ZIP code.

Requirements Areasets production targets

Area 1 Area 2 Area 3

Stateaffects Commercial cap & Life requirement

Where You Are Today

Starting program quarternew agent → Q1

Choose Q1 to project the full program for a new prospect. Already appointed? Pick your current program quarter to estimate the bonuses still ahead.

Expected Production

Premium figures areNew‑business premium written

Per month Per quarter

Total Personal Lines premiumper month · excl. Life & Commercial

Personal line	Mix %	Comm %	Premium
Auto6‑mo term			$0
Firehome/renter/condo			$0
Umbrella1‑yr term			$0
Specialty1‑yr term			$0

Mix total: 100%

Commercial premiumper month

Commercial Comm %editable

Life Issued & Paidper month Life avg premiumper policy

Life Comm %commission rate — editable assumption

Two L&A staff in placeRequired for any bonus payment

Farmers‑branded officeRequired within 6 months of appointment

▸ Startup & Fast Start bonuses

Included automatically for new agents starting at Q1.

Exterior Brandingup to $6,000

Reserve P&C + Lifepre‑appt. NB comm.

Reserve Bristol Westexcl. CA — 50% Fast Start

Fast Start pays 100% on Reserve P&C/Life and 50% on Reserve Bristol West, capped at $10,000 total.

Renewal Income

Calculated from the production above — the same book renews and compounds, Auto every 6 months and every other line annually, after retention. Rates default to your new‑business rates; change any renewal rate below.

Line	Renews	Renewal %
Auto	every 6 mo
Fire	yearly
Umbrella	yearly
Specialty	yearly
Commercial	yearly
Life	yearly

Retention87%

Renewal rates and retention are editable assumptions — set them to your contract.

Total 3‑Year Agency Income

base commissions + bonuses + renewals

Base Commissions$0

New Agent Bonuses$0

Renewals$0

New Agent Bonuses reach the $3,500,000 program cap.

Avg / month in program $0

Quarter‑by‑Quarter

Three‑Year Agency Income

Base commissions New Agent Bonuses Renewals

Important. This calculator is provided as a tool for a prospect’s consideration to evaluate the potential business opportunity. Any estimated bonus amounts assume eligibility, are based solely on data entered by the user, are illustrative only, and are not the result of any input or suggestion by any representative of the Companies. Actual results will vary, and any projections are speculative and not guaranteed. The terms of the applicable appointment agreement, bonus program(s), and support program(s) will govern—not this calculator. Bonus programs, commission schedules, rules, and rates are subject to change at the sole discretion of the Companies.

Programs, products, and bonus opportunities are not available in all states. Retail Program Guidelines — July 2026 · PROPRIETARY