Pipeline Value Calculator for Insurance Agencies
What is my pipeline actually worth?
This calculator weights your life insurance pipeline by the odds of closing. It multiplies your open leads by your close rate and average policy value to show expected commission, tells you what each lead is worth, and works backward from a production target to the number of leads your producers need. Enter your numbers below to see the gap between where you are and your goal.
Educational estimate only, not financial advice or a guarantee of results. It uses a single blended close rate. Kadence does not provide financial advice.
How the math works
Weight the pipeline by close rate
Raw pipeline overstates reality because not every lead closes. Multiplying open leads by your close rate and average policy value produces the weighted value, the revenue you can realistically expect, which is a far more useful planning number than the full face value of every open opportunity.
Find what a lead is worth
Value per lead is your close rate multiplied by average policy value. It is the single most useful number in the pipeline: it tells you what a new lead is worth on average and sets the ceiling on what you can spend to acquire one while staying profitable.
Work backward from the target
Dividing your production target by the value per lead gives the number of leads required to hit it. Comparing that to your current pipeline shows the gap. Closing that gap means either more leads or a higher close rate, and speed to lead is the fastest lever on the close rate, which is where Kadence pays off.
Related terms and guides
Frequently asked questions
What is weighted pipeline value?
Weighted pipeline value discounts your raw pipeline by the odds of closing. Instead of counting every open lead at full policy value, it multiplies leads by your close rate and average policy value, so the number reflects revenue you can realistically expect rather than best-case totals that never all convert.
How many leads do I need to hit my production target?
Divide your production target by the revenue each lead is worth, which is your close rate multiplied by average policy value. If each lead is worth 120 dollars in expected commission and your target is 120,000 dollars, you need about 1,000 leads. The calculator does this and shows the gap against your current pipeline.
What should I use for average policy value?
Use the average commission or revenue you earn per closed policy, blended across your product mix if you sell several lines. Keep it to first-year revenue for a conservative pipeline figure, or include expected renewals if you plan on a lifetime basis. The output scales directly with this number.
Is this a guarantee of pipeline results?
No. It is an educational estimate based on your inputs and a single blended close rate. Real pipelines vary by stage, source, and season, and close rates drift over time. Kadence does not provide financial advice. Use the figures to plan lead flow, not as a forecast of guaranteed revenue.