Life Insurance Commission Calculator. Calculate commissions, renewals, and lifetime earnings projections
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First Year Earnings
Base Commission
$4,250
Agency Override
$250
Bonus
$100
Total First Year
$4,600
Renewal Earnings (Per Year)
Base Renewal
$375
Override
$250
Annual Renewal Total
$625
Lifetime Value
Total Renewals
$10,063
Lifetime Commission
$14,663
Avg. Annual Income
$733
Commission Distribution Over Policy Term
Year-by-Year Commission Projection
| Year | Premium | Commission | Override | Total | Cumulative |
|---|
💼 Life Insurance Commission Tips
Term life typically offers 40-110% first year commission
Whole life commissions range from 50-120% with higher renewals
Universal life products often have ongoing trail commissions
Lapse rates vary by product type and client demographics
Building a renewal book provides stable long-term income
Focus on persistency to maximize lifetime value