Kadence Calculators
Free calculators for life insurance teams
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 policies and commission your life insurance agency recovers by answering new leads in seconds instead of hours. See what slow follow-up costs your producers every month.
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.