This free tool takes the guesswork out of understanding your agent earnings projection costs. Instead of trying to piece together information from multiple sources or waiting for a broker callback, you can get clear numbers in about two minutes.
Enter your information below — no account needed, no email required. The results will give you a solid starting point for making informed decisions about your benefits strategy.
Every group you BOR in your first 12 months at BENEFITRA stays at 100% commission — for life. No taper. No step-down. No giveback. Plug in your numbers and see what the next 5 years look like.
Step 1 — Your Current Practice
Tell us about your book today
Step 2 — Your BENEFITRA Partnership
Choose your agent type
Select the path that matches your situation.
BOR Agent 100% Forever
100%
Bringing your existing book. Every group you BOR in your first 12 months stays at 100% commission for life. No taper. New business at 75%. 25% SaaS lifetime on BOR'd book.
New Business Agent
75%
Writing new business only. 75% on agent-sourced deals. 25% Y1 / 15% Y2+ SaaS. Access to full platform + marketing leads.
Your Growth Expectations with BENEFITRA
7%
2%Your current: 12%15%
5 hrs
1 hrYour current: 1520 hrs
65%
10%65% typical100%
Step 3 — Your New Business Pipeline
Where will your new groups come from?
Different lead sources pay different commission rates. This reflects who did the work to find and qualify the client.
Agent-Sourced (Your Network)
You keep 75%
Groups you find yourself — referrals, cold outreach, your personal network, COI relationships. You found it, you closed it.
4
0/yrYour current: 220/yr
Warm Leads / Callbacks
You keep 70%
BENEFITRA's marketing generated the initial interest — voicemail drops, email campaigns, benefits calculator engagement — and the prospect responded. You make contact, build the relationship, and close.
2
0/yr2 typical10/yr
Qualified Appointments
You keep 65%
BENEFITRA found, contacted, and qualified the prospect via SEO inbound, demo requests, or BDR outreach. A meeting is booked on your calendar with a decision-maker who has a confirmed need.
1
0/yr1 typical8/yr
Fully BENEFITRA-Sourced
You keep 50%
BENEFITRA closed the deal — you had zero involvement in the sale. You service the account: enrollment meetings, employee questions, annual reviews. Think of it as bonus income for service work.
Side-by-side comparison: your current trajectory vs. partnering with BENEFITRA.
5-Year Income Difference
+$277K
+8.5% more with BENEFITRA
Year 5 Annual Income
$983K
vs $722K on current path
Total Groups by Year 5
25.5
vs 12.7 on current path
Hours Saved (5 Years)
2,600
10 hrs/wk back for selling
Annual Income Comparison
Current PathWith BENEFITRA
Year 1
Year 2
Year 3
Year 4
Year 5
5-Year Total
Year 5 Income Breakdown by Source
Breakeven Point
Month 30
When BENEFITRA income exceeds current path
New SaaS Revenue (5-Year Total)
$69,659
Revenue stream that doesn't exist today
Commission Structure at a Glance
BOR'd Book (within 12-month window)Forever
100%
Agent-Sourced New Business
75%
Warm Leads / Callbacks
70%
Qualified Appointments
65%
Fully BENEFITRA-Sourced
50%
SaaS — BOR'd Book
25% lifetime
SaaS — New Business
25% Y1 / 15% Y2+
Departure Trail
50% of current rate, lifetime
Like what you see?
These projections are based on your inputs. Let's talk about making them real.
YOU OWN YOUR BOOK. FOREVER.
Every group you BOR within your first 12 months at BENEFITRA stays at 100% commission for life. No Year 2 haircut. No Year 3 step-down. No giveback — ever.
If you leave or retire, you continue earning 50% of your commission rate for life on all groups that remain. On BOR'd groups, that's 50%. On agent-sourced new business, that's 37.5%.
No non-compete. No non-solicit. Just a fair structure that rewards partnership.
Capture your results — take a screenshot or write down the key figures
Compare these estimates against your most recent renewal notice
Bring these numbers to your next conversation with your broker or advisor
Ask about any hidden fees, participation requirements, or waiting periods
Target your next renewal date as the ideal time to make any changes
Common Questions
Is this agent earnings projection calculator really free?
Yes, completely free with no strings attached. You do not need to create an account, provide an email address, or speak with anyone. The tool runs entirely in your browser and gives you results immediately.
How accurate are these estimates?
The calculations use industry-standard data and published rate tables, so they provide a reliable directional estimate. Your actual costs will depend on your specific situation, location, and the providers you work with. We recommend using these numbers as a starting point for getting real quotes.
What should I do with these results?
Use them as a baseline for informed conversations with brokers, PEOs, or insurance providers. Having these numbers before you talk to a salesperson puts you in a much stronger negotiating position and helps you evaluate whether the proposals you receive are competitive.