Calculator
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Use our fast and free commission calculator to estimate how much commission life insurance agents earn per policy. Works for LIC agents and private insurance companies. Simple, accurate, and instant!
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Welcome to the Life Insurance Commission Calculator – built to give agents, agencies, and finance professionals instant, detailed insight into their insurance commission structure.
This calculator is based on real-world commission logic. You input:
📊 Year-by-Year Commission Report
💼 Total earnings, sales payouts & company profits
📈 Complete breakdown for strategizing & client presentation
Easily input policy details and get precise year-wise commission breakdowns — all in one click.
Customize policies with add-on riders. Set each rider's premium, term, and commission rates for a truly tailored calculation.
Get a clear, detailed view of commission distribution across policy years — for both base and rider components.
Instantly see how much your agents earn through both first-year and renewal sales commissions.
Understand your company’s earning after paying out agent commissions. Make smarter, more profitable decisions.
Input renewal commission rates as a comma-separated list — perfect for handling different structures with ease.
Control every variable: Base & reward commission rates, Sales payout percentages, Separate values for each rider.
No more formatting hassles. The calculator smartly parses and applies renewal rates for each policy and rider.
All commission results are presented in a clean, structured format with totals, year-wise tables, and instant highlights.
Beautiful, mobile-friendly design built with React — accessible and intuitive on all devices.
You can enter comma-separated renewal rates like 7,5,5,3,2 to customize renewal commissions per year.
Click “Add Rider” to attach additional benefits to the base policy. Each rider contributes separately to the commission structure.
You can add or remove riders dynamically and tweak values any time.
This tool is perfect for:
Insurance Agents & Advisors
Team Leaders in Insurance Firms
Finance Professionals evaluating policy profitability
Anyone who needs fast, accurate commission forecasting
| Year | Commission | Sales Payout | Company Profit |
|---|---|---|---|
| 1 | 15,000 | 12,000 | 21,000 |
| 2 | 17,500 | 10,000 | 12,000 |
Absolutely! You can add unlimited riders, each with its own premium, term, and commission settings. It’s perfect for building flexible, real-world policy structures.
Just type them as a comma-separated list like `7,5,5,3,2`. The calculator will automatically apply them to the correct policy years.
Yes! You can dynamically add, edit, or remove riders at any time — the commission breakdown updates instantly.
Yes — it’s built for everyone in the insurance sales pipeline. Whether you’re an agent, team lead, or finance head, it gives you the clarity and control you need.
Totally. It’s built with a modern, responsive design so you can calculate commissions easily from your phone, tablet, or desktop.
No problem. You can enter a different value for each year using the renewal rate input. The system adapts automatically.