You never bought a lead. Nobody is working the book you already own.
A book built on referrals gets bigger than one person can work by hand. Move the sliders to your real numbers. This is what is sitting in it right now: reviews that never happen, conversion windows that close quietly, and the introductions you never got around to asking for.
Kadence works the book while you work the relationships. $200 a month, plus usage.
Per seat, plus what you actually use.
At your numbers, what you are leaving on the table every month is 28.8x what Kadence costs to work it.
Book a 15-minute walkthroughThis estimate is illustrative and built entirely from the figures you enter. No industry averages, benchmarks, or outside research are applied anywhere in it. It reflects commission associated with the client conversations, conversion windows, and referral introductions you have said are going unworked, plus the value of the admin time and the monthly tool spend you entered. It is not a guarantee of income or results. Individual outcomes depend on your book, your market, your product mix, and your process.
Related terms and guides
Frequently Asked Questions
I do not buy leads. What is this calculator measuring?
The book you already own. It takes five things you enter: the clients you never get a conversation with in a year, the convertible term policies reaching the end of their conversion window, the referrals you could ask for and do not, the hours your assistant spends on manual follow-up, and what you pay every month for the tools Kadence replaces. It prices each at your own commission, hourly rate, and tool spend, then adds them into one annual figure. No lead volume and no lead spend appear anywhere in it.
Why do term conversion windows get their own line?
A convertible term policy lets a client move to permanent coverage without new underwriting, but only inside a window that ends at a stated age or policy year. Once it closes the option is gone, and so is the case. That deadline is what separates it from a review or a referral, which can still happen next quarter, so it is broken out rather than folded into the rest of the book.
What should I enter for the share of conversations that end in a placed case?
One blended rate across all three lines, and keep it conservative. A warm introduction and a term conversion normally place better than a routine annual review, so a single blended figure understates those two rather than flattering them. If you want the lines separated, run the calculator once per line with the rate that fits it.
Why do assistant hours count as money?
Because you are already paying for them. You enter the hours on a normal working day, and the line prices only the follow-up a system takes over, meaning reminders, chasing paperwork, and data entry, at the hourly cost you enter. It is asked per day rather than per week because that is the number most people can answer without stopping to add anything up, and it is spread across a standard five-day support week. If your assistant spends that time on work that genuinely needs a person, leave those hours out and the estimate stays honest.
Why does my current tool spend count as a line?
Because Kadence replaces it. The figure is what you would stop paying, not a claim that your tools do nothing, and the price card puts your monthly spend next to what Kadence costs so you can compare them directly. If Kadence would only replace part of your stack, enter only that part and the estimate stays honest.
Is the figure a guarantee?
No. It is an educational estimate built entirely from the numbers you enter, not a promise of income or results. Every line moves with your inputs and nothing else. Actual outcomes depend on your book, your market, your product mix, and your process. Kadence does not provide financial advice.