Live Transfer Cost-per-Policy Calculator
Work out what each new policy from live transfers costs your agency. The calculator follows the InsureScales billing rules, so short calls, approved returns, and missed calls count the way they do on a real bill. The numbers filled in are examples to replace with your own.
Run your numbers
Change any number and the results update as you type. Nothing you enter leaves your browser.
Your estimate, per policy
At these numbers, each policy costs about $844 in transfers and earns about $720 in commission over 3 years.
- Cost per policy
- $844
- What you spend on transfers
- Commission per policy over 3 years
- $720
- Same premium and rate each year
- First-year commission per policy
- $240
If your team answered 95% of transfers instead of 85%, cost per policy would be about $719 instead of $844.
These are your own estimates, not a promise of results. Quotes and sales are not guaranteed. InsureScales quotes your price per transfer.
Your month in detail
Monthly averages from your numbers, so you may see fractions.
- Billable transfers
- 71.5
- Of 100 delivered
- Monthly spend
- $7,153
- Policies written
- 8.5
- What missed calls cost you
- $1,500
- 15 missed transfers. Worst case; a missed call under 20 seconds is free.
How your transfers were counted
- Answered, 75 seconds or moreBillable
- 59.5
- Approved returnsFree
- −3
- Answered, under 75 secondsFree
- 25.5
- Missed callsBillable, worst case
- 15
- Billable transfers
- 71.5
How the math works
The calculator follows a bill from the top. It starts with every transfer, takes out the ones you don't pay for, and divides what is left by the policies you write. Then it puts that next to what one policy earns in commission while the customer stays.
The formula
Cost per policy = monthly spend ÷ policies written
Commission per policy = premium × commission rate × years the customer stays
Split your transfers
Answered calls = transfers delivered × the % your team answers. Everything else is a missed call.
Set aside the short calls
Answered calls under 75 seconds are free. Counted calls = answered calls × the % that last 75 seconds or more.
Take off approved returns
Billable answered calls = counted calls minus the ones our quality team approves as returns.
Add the missed calls
Billable transfers = billable answered calls + every missed call. This is the worst case, because a missed call under 20 seconds is free.
Work out what you spend
Monthly spend = billable transfers × your price per transfer. What missed calls cost you = missed calls × the same price.
Count the policies
Policies = billable answered calls × your close rate. Short calls, returns, and missed calls are assumed to write nothing. Missed prospects you call back and sell would lower your real cost.
Divide
Cost per policy = monthly spend ÷ policies.
Put one policy’s commission next to it
First-year commission per policy = average annual premium × your commission rate. Commission per policy over the years a customer stays = that × the number of years. It uses the same premium and rate every year, and real renewals may differ.
How the billing rules change the result
Two vendors with the same price per transfer can cost you very different amounts per policy. What counts as a billable transfer decides how many you pay for. These are the InsureScales rules and how the calculator uses each one.
Your team answers
Answered calls are timed from the first ring at your agency. Ringing counts. Our screening before the transfer does not.
- Under 75 seconds
Not billable.
- 75 seconds to under 5 minutes
Billable, unless our quality team approves a valid return.
- 5 minutes or longer
Billable. No ordinary lead-quality returns.
Calls under 75 seconds cost nothing and are assumed to write no policies. Calls of 75 seconds or more are billable, minus your approved returns. Ordinary returns only apply to calls under 5 minutes, so keep that in mind when you set your return rate.
Nobody answers
This includes calls that ring through to your agency voicemail. The wait is timed from the first ring.
- Prospect hangs up in under 20 seconds
Not billable.
- Prospect waits 20 seconds or more, then hangs up
Billable while delivery is active and not paused. You get their details so you can call back.
Every missed transfer counts as billable. That is the worst case; a missed call under 20 seconds is free, so your real bill for missed calls can only be the same or lower. Missed calls write no policies here.
You pause
If your prepaid balance runs low, delivery pauses on its own until you add more.
- Pause any time
Nothing is billed while you are paused at your request, including missed transfers.
Enter only the transfers delivered while delivery is on. A paused day adds nothing to your spend.
Why answer rate moves the number
A missed transfer where the prospect waits 20 seconds or more costs the same as a conversation and writes nothing. That makes answer rate one of the inputs you control most directly. You set your calling hours and how many calls your team takes at once, so transfers ring when a producer is free. When nobody can pick up, pause, and nothing is billed.
Short calls work the other way. An answered call under 75 seconds is free, so a quick bad fit does not add to your cost per policy. For the full rules, see pricing and billing rules, or use the billable transfer checklist to compare vendors.
This is a plain-English summary. Your service agreement controls if anything here differs.
Calculator questions
What the calculator counts, what it leaves out, and how to pick your numbers.
Ask us about your agencyHow do you work out live transfer cost per policy?
Divide what you spend on transfers in a month by the policies those transfers write. Spend is billable transfers times your price per transfer, and policies are the billable answered calls your team closes. The calculator shows the result next to what one policy earns in commission over the years a customer stays.
Why does the calculator count every missed transfer as billable?
It shows the worst case. A missed transfer is billable only if the prospect waits 20 seconds or more while delivery is on, and a missed call under 20 seconds is free. The calculator cannot know how long your missed callers waited, so your real bill for missed calls can only be the same or lower.
Are short answered calls billed?
No. Answered transfers under 75 seconds are not billable. They are timed from the first ring at your agency, so ringing counts. The calculator treats them as free and assumes they write no policies.
What return rate should I enter?
Enter the share of answered calls of 75 seconds or more that our quality team approves as returns, not the share you send in. Ordinary returns only apply to calls between 75 seconds and 5 minutes, for set auto and home reasons. There is no renters return rule, and not quoting the prospect is not a return reason.
Does InsureScales publish its price per transfer?
No. We give you your price per transfer on a quote, before you prepay anything. The price in the calculator is a made-up example, so replace it with your quote.
Is the result a prediction of what I will earn?
No. Every result, including commission per policy, comes from your own estimates, and the commission math assumes the same premium and rate every year. We deliver interested, qualified prospects, but quotes and sales are not guaranteed, so run it again with your real numbers after a few weeks of transfers.
Get your price per transfer
Tell us your states, calling hours, and how many transfers you want a day. We give you your price per transfer before you prepay anything, so you can run this calculator with a real number.
Get a quote