For FMOs, IMOs & MGAs

The real cost, across your whole hierarchy.

Slow response forfeits override on every producer. A stitched stack duplicates spend hierarchy-wide. And every agent who washes out with a cold pipeline is recruiting money spent twice. Enter your downline and watch all three stack.

Your numbers

Producers in your downline 150

20 1,000

Leads worked per producer / month 40

10 150

Leads lost to slow response

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 8%

2% 25%

Monthly tool spend, hierarchy-wide

CRM seats, dialers, website vendors, content, reporting.

$10,000

$0 $40,000

Producers lost per year to cold pipelines

First-year agents who wash out from an empty calendar.

0 200

Cost to recruit & onboard one producer

What it costs to replace a washed-out agent.

$3,000

$500 $15,000

What it is costing your hierarchy

01 Override forfeited to slow response Downline cases that closed elsewhere. $36,288
02 Tools Kadence replaces The hierarchy-wide stack you would stop paying for. $10,000
03 Recruiting spent twice Producers who washed out with a cold pipeline. $6,250

Every year

$630,456

$52,538 every month

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Team size

One platform across the whole hierarchy. $8,000 a month.

Everything leaking now $52,538/mo

Kadence platform $8,000/mo

At your numbers, what leaks every month is 6.6x what the 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 combines override income associated with downline cases lost to slow response, the cost of tools Kadence consolidates hierarchy-wide, and recruiting cost tied to producers lost to cold pipelines. It is not a guarantee of income or results, and it does not include the additive override from improved retention or easier recruiting. Actual outcomes depend on your comp structure, carrier mix, and downline behavior.

Related terms and guides

Frequently Asked Questions

What are the three hierarchy-wide costs this adds up?

Override forfeited when downline producers respond too slowly, the tool stack duplicated across the hierarchy, and recruiting money spent twice on producers who wash out with a cold pipeline. Each is usually owned by a different person internally, which is why the combined number rarely gets seen.

Why does producer churn count as a cost of slow response?

A first-year agent who cannot get anyone on the phone quits. You then pay to recruit and onboard their replacement, who inherits the same cold pipeline. The calculator spreads your annual churn cost over twelve months so it sits alongside the other two monthly figures.

How is recruiting cost turned into a monthly number?

Producers lost per year multiplied by the cost to recruit and onboard one, divided by twelve. That keeps every row on the same monthly basis so the annual total is a clean sum rather than a mix of grains.

Is the figure a guarantee?

No. It is an educational estimate driven by your inputs, not a promise of income or results. It also excludes the additive override from improved retention and easier recruiting. Actual outcomes depend on your comp structure, carrier mix, and downline behavior.