Going Independent Calculator — First Year Financial Reality

Current Annual Income (captive)

Current Book Size (annual premium)

What % of clients would follow you? (realistic estimate)

E&O Insurance (annual)

Technology / AMS (annual)

Office / Overhead (annual)

Marketing / Leads (annual)

Cash Savings Available (runway buffer)

Expected Commission Rate (independent avg)

Monthly New Business Growth (new premium/mo)

Monthly Cash Flow

Positive

Negative

Break-even

Year 1 Income

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Break-Even Month

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Year 2 Projected

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First Year Breakdown

Portable book commission—

New business commission (Year 1)—

Total startup costs—

Monthly expenses—

Net Year 1 (income minus costs)—

vs. staying captive—