Independent-agent recruiting opportunity

Build Long-Term Medicare Supplement Income

Estimate how consistent Medicare Supplement production could create first-month cash flow, ongoing commission income, and Lead Account Value.

This calculator is a recruiting and training illustration. It provides estimates—not guaranteed income, production, renewals, or results.

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A Path Designed for Consistent Production

Explore how new production and continuing policy cohorts could work together over time.

Level-for-life commission potential Eligible policies may continue generating commission according to the applicable contract and carrier rules.
First-month advance opportunity Estimate the first-month commission created by each new group of issued policies.
Month-end commission payments See estimated payments from policy groups written during prior months.
Long-term renewal potential Model how consistent monthly production could create overlapping commission payments.
Lead Account Value View an estimated lead-support value calculated separately from commission income.
Producer and agency-building paths Select the path that most closely reflects your production or agency-building situation.

How Monthly Compensation Can Build

Each month of new production creates its own policy cohort. As additional cohorts are added, their estimated commission-payment schedules can overlap.

  • New production can generate a first-month commission.
  • Prior production can continue producing month-end commission.
  • Consistent production can create payments from multiple cohorts in the same month.
  • Lead Account Value is calculated separately and is not cash commission paid directly to the agent.
How the calculation works

The calculator applies the selected Producer Path multiplier to the monthly premium for each policy cohort. It uses the first-, second-, third-, and fourth-payment-month multipliers, followed by the applicable multiplier for payment months 5–48 and month 49 onward.

Lead Account Value equals 15% of the annualized premium created by each displayed month’s new production. It is never included in a commission-only figure.

Important illustration notice For training and recruiting illustrations only. Actual compensation may vary by contract, state, product, issue age, payment mode, policy persistency, chargebacks, and carrier rules. Examples are estimates and are not guarantees of future income.

Calculate Your Monthly Commissions

Enter realistic assumptions for your business. You can view every projected month without submitting contact information.

Enter the average monthly premium for one issued policy.