Pay-Per-Call Insurance ROAS

Stress test pay-per-call insurance acquisition. Input cost per call, close rates, initial and renewal commissions, retention, and discount rate to uncover lifetime value, breakeven CPL, ROAS multiples, and renewal contribution before scaling budgets.

What you pay networks or publishers for each qualified insurance call.
Percentage of qualified calls that result in a paid policy.
Commission received on the initial policy sale.
Average number of years a policy remains active.
Defaults to 35%. Applies to each renewal year across the retention period.
Defaults to 0%. Percentage of closed deals clawed back for quality issues.
Defaults to 8%. Used to discount renewal commissions when calculating lifetime value.

For planning only. Validate close rates, clawbacks, and commissions with carrier agreements before committing spend.

Examples

  • $60 cost per call, 25% close rate, $450 commission, 3-year retention, 35% renewal commission, 5% chargebacks, 8% discount ⇒ Net conversion rate after chargebacks 25.00% • Customer lifetime value $730.86 USD • Breakeven cost per call $182.72 USD • ROAS multiple 3.05x • Profit (loss) per call $122.72 USD • Renewal revenue share 38.43%.
  • $85 cost per call, 18% close rate, $620 commission, 4.5-year retention, 45% renewal commission, no chargebacks, 6% discount ⇒ Net conversion rate after chargebacks 18.00% • Customer lifetime value $1,476.27 USD • Breakeven cost per call $265.73 USD • ROAS multiple 3.13x • Profit (loss) per call $180.73 USD • Renewal revenue share 58.00%.

FAQ

How do cross-sell policies factor in?

Add expected cross-sell or bundling revenue to the commission input so the calculator reflects total earnings per closed lead.

Can I model tiered payouts?

Yes. Run the calculator for each insurance line or payout tier, then weight the results by traffic share to build a blended forecast.

What if renewal rates change over time?

Adjust the retention years or renewal commission percentage inputs, or rerun the model annually using updated persistency data from your carrier statements.

How do upfront bonuses or overrides fit in?

Add them to the commission field and increase the renewal percentage if bonuses extend into renewal years so the lifetime value reflects every compensation stream.

Additional Information

  • Chargeback percentage trims the close rate to account for returned commissions on low-quality leads.
  • Renewal commission percentage captures the share of initial commission you earn on each renewal year.
  • Lifetime value discounts renewal income back to present value using the entered discount rate.
  • Breakeven cost per call equals lifetime value multiplied by the net conversion rate, showing the maximum CPL you can pay.
  • ROAS multiple compares revenue per call to spend and helps benchmark networks or marketing channels.
  • Profit per call subtracts the actual CPL from revenue-per-call so you can size headroom for higher bids.

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