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IMO override benchmarks: 80% to 85% starting comp, a $100 per $1,000 premium spread, and the 60-day window that protects overrides from attrition.
AI search drives under 1% of referral traffic in 2025 per BrightEdge, while Anthropic's and OpenAI's 2026 IPO filings show how fast that could shift.
Life insurance agencies see 3 to 6x AI ROI within a year, per Blue Prism, but only 25% hit expected returns without consolidating SaaS licenses first.
Only 10.8% of top agencies use tiered commissions, yet McKinsey urges 25% to 40% tier jumps: the override math IMOs need before rollout.
Advisory-led agencies command 11.4x to 11.8x EBITDA multiples in 2026 vs. 5x to 10x for transactional brokers. Here's the operational framework that drives the gap.
High-performing independent brokerages commanded 10x-13x EBITDA in 2025-2026. Here's the operational playbook to defend those multiples against AI-driven compression and buyer scrutiny.