Most agency owners dramatically underestimate the true cost. Recruiting is just the tip of the iceberg — the licensing gap and lost productivity add up fast. Plug in your numbers below and get an honest answer in 30 seconds.
Adjust any field to see costs update in real time.
This varies widely by line and agency.
This changes the commission benchmark below.
P&C new business typically runs 10–20%. (Smart Choice, Agentero)
Insurance has high early-career attrition — industry estimates put it at 40–50% in the first four years. If you don't know yours, leave it at 40%.
~20% of new producers leave within 45 days, and over half of terminated staff were hired within the prior three years. (SuperAgent, MarshBerry via Insurance Business) The shorter the tenure, the less of your recruiting and licensing investment gets recovered before they walk — we assume ~24 months to fully offset acquisition costs.
Course, exam, and state processing time before a new producer can start writing business.
Includes cost by category, a 5-year projection, what reducing turnover would save you, and how much of your ramp is licensing time you could compress.
Most agency owners think turnover means the cost of finding someone new. Recruiting is roughly $4,700. Replacing a producer runs $15,000 to $50,000 once you count the rest. (Sonant.ai, Insurance Dudes)
Compounded cost. The line keeps rising as long as you don't fix the underlying retention problem.
Includes 4% annual premium growth. (Swiss Re, 2026 US P&C forecast)
Turnover is estimated to cost 75% to 150% of a departing producer's annual compensation — every point you cut comes straight off that number. (Insurance Dudes)
You can't shorten how long it takes a producer to build a book. You can shorten how long they wait to start. Aceable handles P&C and Life & Health pre-licensing with exam prep built in, plus CE packages that include the mandatory ethics hours — with every completion certificate filed with the state automatically. 92% of our CE students complete.