Contract Calculator

See exactly what you're
leaving on the table

Enter your current contract % and monthly production. Find your estimated dollar difference — year by year.

Your Current Situation

Be honest — this is just for you. Everything is private.

%

Most captive agents are at 50–85%. Most independent IMOs are at 80–100%.

$

Your monthly submitted premium — not your income.

What it actually costs you
$
$
%
%

Defaults: $75/mo policy, 75% advance, 8% chargeback. Lead cost defaults to $0 — set it to your real per-policy acquisition cost if you buy leads.

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AI Technology

Insurance products are issued by unaffiliated insurance carriers. Product availability, features, rates, underwriting, compensation, appointments, and eligibility vary by carrier, state, licensing, production, and individual circumstances. Transcend IMO supports independent insurance professionals and does not issue insurance products. Nothing on this website constitutes legal, tax, investment, underwriting, or individualized insurance advice.

Technology and AI tools are designed to support licensed insurance professionals — not replace professional judgment, carrier requirements, suitability review, supervision, legal advice, or compliance approval. AI-generated outputs should be reviewed before being used with clients or the public.

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