For FMOs, IMOs & MGAs

A small leak per producer is a large leak across your hierarchy.

Enter your downline. This is the override you're currently forfeiting to slow response time — and the retention you'd recover by giving every producer a system that answers in seconds.

Your numbers

Producers in your downline

Active writing agents across the hierarchy.

150

20 1,000

Leads worked per producer / month 40

10 150

Leads lost to slow response

The share going cold before contact, hierarchy-wide.

35%

10% 60%

Close rate on leads reached in time 18%

5% 40%

Average case size (annual premium) $1,200

$400 $5,000

Your override / share of premium

Your net override percentage on downline production.

2% 25%

Override you are forfeiting

Override lost every month to slow response

$36,288

per month, across your hierarchy

Downline leads going cold monthly: 2,100
Cases lost: 378
Premium forgone: $453,600
Your override on that premium: $36,288

Over a year

$435,456

That is $2,903 per producer, per year.

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Full name

Your email

Phone

Company

Team size

Every producer in your downline inherits sub-10-second response as a platform default.

Current tool stack, hierarchy-wide $10k+/mo

Kadence platform $8k/mo

At your numbers, the override you forfeit every month is 4.5x what the Kadence platform costs.

Book a hierarchy walkthrough

This estimate is illustrative and based on the figures you enter, using industry response-time research (78% of buyers purchase from the first responder). It models override income associated with downline cases lost to slow response time. It is not a guarantee of income or results, and does not account for the retention and recruiting effects discussed separately, which are additive. Actual outcomes depend on your comp structure, carrier mix, and downline behavior.

Related terms and guides

Frequently Asked Questions

How does slow producer response affect an IMO's override?

Your override is a share of downline production. A case a producer never reaches in time is production that never happens, so the override on it never reaches you. Individually the leak is small; across a hierarchy of hundreds of producers it compounds into the largest number on this page.

What does this calculator actually multiply?

Producers times leads per producer gives hierarchy-wide lead volume. Times the share lost to slow response gives cold leads. Times your close rate gives cases lost, times average case size gives premium forgone, and times your override share gives the override you forfeit each month.

Why show the loss per producer per year?

Because a hierarchy-wide number is hard to act on and easy to dismiss. The per-producer figure is the one that travels: it is what each seat in your downline is quietly costing you, which is also the number to weigh against equipping that seat properly.

Does this include retention and recruiting effects?

No, and that is deliberate. This models forfeited override only. Producers who wash out from cold pipelines are a separate and additive cost, modelled in the Total Impact calculator for hierarchies. Keeping them apart stops the headline number from double-counting.