Insurance Affiliate Lead Value Optimizer

Quickly gauge whether an insurance affiliate campaign is profitable. Enter your commission per approved lead, approval rate, landing page conversion rate, and the ad spend allocated to that traffic source. Optionally add the average cost per click to translate spend into click volume. The optimizer calculates expected lead volume, approvals, revenue, cost per lead, breakeven CPA, net profit, and earnings per click so you can tune bids or negotiate better payout tiers.

Commission or bounty paid for each approved insurance lead or policy issued.
Percent of submitted leads that pass carrier quality and compliance checks.
Opt-in rate from paid traffic to raw leads captured on your funnel.
Total media budget applied to the traffic source you are analysing.
Default $4.50. Override with the actual CPC from your ad platform to translate spend into click volume.

Outputs assume steady conversion and approval rates over the campaign period. Validate with carrier statements, CRM data, and compliance rules before scaling spend or adjusting CPA bids.

Examples

  • $65 payout, 62% approval, 3.4% conversion, $1,800 ad spend, and a $4.50 CPC ⇒ 13.60 leads, 8.43 approvals worth $548.08, a $132.35 CPL, -$1,251.92 profit, and a $40.30 breakeven CPA with $1.37 EPC.
  • $110 payout, 60% approval, 5.5% conversion, $2,000 ad spend, and a $3.20 CPC ⇒ 34.38 leads, 20.63 approvals worth $2,268.75, a $58.18 CPL, $268.75 profit, and a $66.00 breakeven CPA with $3.63 EPC.

FAQ

How do I include clawbacks?

Reduce the approval rate input by your historical clawback percentage so revenue reflects what actually clears.

Can I model tiered payouts?

Run separate scenarios for each payout tier or input the weighted average payout to approximate overall performance.

Does the tool support multiple traffic sources?

Yes. Run the calculator for each traffic source with its own CPC, conversion, and approval data, then aggregate profits manually.

What if I pay on a per-call basis?

Use the payout input for per-call compensation and treat conversion rate as the share of calls that meet duration or compliance thresholds.

How do I model lead caps or pacing?

Run the calculation using your capped click volume or lead limit instead of total spend so you can see profitability at the maximum allocation allowed by the carrier.

Additional Information

  • Clicks are derived by dividing ad spend by cost per click, so accurate CPC data keeps lead counts realistic.
  • Cost per lead reflects raw leads; multiply by the approval rate to estimate cost per approved acquisition.
  • Breakeven CPA equals payout multiplied by approval rate and sets an immediate guardrail for bidding, media buying, and partner negotiations.
  • Net profit subtracts ad spend from approved revenue; add compliance review, call center, or lead verification costs separately if needed.
  • Earnings per click (EPC) allows comparison of traffic sources with different CPCs or intent levels.
  • If you optimize for policies issued, treat the approval rate as the close rate and adjust payout to match your downline compensation.

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