EPIC DREAM CALCULATOR
Agent & Agency Income Forecaster
Dream Income
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Projected
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Gap
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Parameters
📅Start Month
MA commissions are prorated based on sale month. AEP sales (Oct–Dec) pay $0 upfront — lump sum arrives Jan 1.
ℹ How MA proration works: Jan sale = 12/12 comm, Feb = 11/12, Mar = 10/12… Sep = 4/12. Oct–Dec (AEP) sales pay $0 at time of sale — full commission is paid as a lump sum on January 1st.
🎯Your Dream Goal
Annual Income Target
What do you want to take home per year?
🛡️Weekly Final Expense Production
Policies written per week (max 20)
$500 – $900 range
50% – 135%
40% – 100%
Renewal comm rate on premium (max 30%)
50% – 70% range
🏥Weekly Medicare Advantage Production
Max 15 apps/week
vs plan-to-plan switches
ℹ Commission amounts below are industry averages and are locked for realistic projections.
Locked — industry average
Locked — industry average
Locked — industry average
40% – 100%
📋Weekly Medicare Supplement Production
Max 10 apps/week
0% – 30%
40% – 100%
💰Yearly Annuity Production
Max 5/year
$10K – $500K range
5% – 9%
Annual trail on assets
40% – 100%
⚙️Weekly Operations & Costs
20 – 50 weeks
What you spend on leads weekly
E&O, CRM, licensing, gas, etc.
🎯Agency Dream Goal
Annual Net Profit Target
Total agency net profit goal
🧑💼Owner Role
Part-time: 50% of Solo Agent production added to your agency income
👥Agent Force
Current headcount
Net new agents per year (after attrition)
📊Per-Agent Production (from Solo Tab)
ℹ Production numbers below are pulled from the Solo Agent tab as your field team's average output. Adjust them there if needed.
🛡️FE Override Structure
5% – 30% · Your override on agent FE production
Your cut of renewal premium on FE book
🏥MA Override Structure
Your override per new/P2P app
Flat fee you keep per app
💰Agency Overhead
Rent, admin, compliance, etc.
CRM, tools, training per agent
What you contribute to agent leads
Training, onboarding, licensing
Conferences, retreats, award ceremonies
Outings, dinners, team activities
Bonuses, contests, trip rewards
Job ads, recruiting events, marketing
Unexpected expenses, software, legal, etc.
🎯
Solo Agent Dream Calculator
Configure your production numbers and dream income on the left panel, then hit Calculate to see your income roadmap.
🏢
Agency Owner Dream Calculator
Model your agency profit by configuring agents, overrides, and overhead, then hit Calculate.
⚖️
Side-by-Side Comparison
Run both Solo Agent and Agency Owner first, then view this tab for a combined comparison.