Kadence Calculators
Free calculators for life insurance producers and agencies
Tools that do the math a life insurance agency runs every day. Size a coverage need with a client, quantify what slow follow-up costs your producers, and project commission, retention, and pipeline. No sign-up, no spreadsheet.
Life Insurance Needs Calculator
Size a client's coverage with the DIME method: debt, income replacement, mortgage, and education, minus what they already have. A clean number to anchor the conversation.
Open calculatorIncome Protection Gap Calculator
Quantify the monthly income gap if a client cannot work due to illness or injury, comparing essential expenses against employer and individual disability coverage.
Open calculatorBuy-Sell Agreement Funding Calculator
Calculate the life insurance a business buyout needs, the funding gap versus existing coverage, and the policy count for cross-purchase versus entity-purchase structures.
Open calculatorLong-Term Care Cost Calculator
Project the future cost of long-term care and the gap versus savings, using cited national median costs and an inflation rate you can adjust.
Open calculatorSocial Security Break-Even Calculator
Compare claiming at 62, 67, and 70 with break-even ages and lifetime totals, using SSA's published factors. Educational break-even math, not advice.
Open calculatorHuman Life Value Calculator
Estimate a client's human life value, the economic value of their future income to their family, to frame the coverage conversation with a defensible number.
Open calculatorFinal Expense Calculator
Estimate the cash a family needs for funeral and final costs versus what is already set aside, using cited national median funeral costs you can adjust.
Open calculatorTerm Life Coverage-Fit Checker
Compare how many years a client's current term insurance lasts against how long their obligations last, and flag any duration gaps. Educational, not a recommendation.
Open calculatorSpeed-to-Lead ROI Calculator for Insurance Agents
Model the commission slipping past you every month while leads you already paid for go cold and close with someone faster. Move five sliders, see the annual number.
Open calculatorSpeed-to-Lead ROI Calculator for Agencies
Model the gap between your best producer and your average one across the whole team: commission lost to slow response plus the lead spend burnt on leads that went cold.
Open calculatorOverride Loss Calculator for IMOs, FMOs & MGAs
A small leak per producer is a large leak across a hierarchy. Model the override you forfeit every month to slow downline response, and what it costs per producer per year.
Open calculatorTotal Impact Calculator for Insurance Agents
Three losses stacked into one annual number: commission lost to slow follow-up, the tool stack you pay twice for, and the selling hours burnt on admin you never get paid for.
Open calculatorTotal Impact Calculator for IMOs, FMOs & MGAs
Three hierarchy-wide leaks stacked into one annual number: override forfeited to slow response, the duplicated stack, and recruiting money spent twice on agents who wash out.
Open calculatorUntapped Book Revenue Calculator for Referral-Based Advisors
You buy no leads and never have. Price the revenue already sitting in your book: reviews that never happen, conversion windows that close quietly, and the introductions you never ask for.
Open calculatorLife Insurance Commission & Override Calculator
Project first-year commission on a policy, the advance you would receive, and override income from your downline's production. Built for agency and agency-builder math.
Open calculatorClient Retention Calculator for Insurance Agencies
Calculate your retention rate, the compounding cost of churn over 3, 5, and 10 years, and the revenue a small retention improvement adds to your book.
Open calculatorPipeline Value Calculator for Insurance Agencies
Weight your pipeline by close rate, see what each lead is worth, and work backward from a production target to the exact number of leads you need.
Open calculatorBook of Business Valuation Calculator (Life Insurance)
Project your book over 1 to 10 years from retention, new production, and cross-sell, then estimate its value at an ownership-transfer multiple you set.
Open calculatorLead Source ROI Calculator for Insurance Agents
See the true cost per acquired policy and the ROI of a lead source: enter spend and funnel rates to get cost per lead, per appointment, per policy, and net return.
Open calculatorProducer Ramp & Breakeven Calculator
Model how long a new producer takes to break even from fixed monthly costs, average commission, and expected policies per month. Built for agency builders.
Open calculatorThese calculators produce educational estimates to guide a conversation. They are not financial, tax, or insurance advice. Kadence does not provide financial advice.