Estimate your potential Medicare Advantage income as an independent agent. Pick a work style to start, then fine-tune the sliders and watch your renewals compound year over year.
Sets your first-year ramp. Experienced agents produce at full pace from day one; new-to-Medicare agents at 75% through year one; new-to-insurance agents at 50%. Both reach full production in year two.
Sets the 2027 CMS maximum broker compensation used for your initial and renewal commissions.
Averaged over the months you're active. Seasonal styles run higher here because the slow summer months are left out.
Months you're actively writing (seasonal vs. year-round).
Share that's first-time MA (full initial commission). The rest are switchers, paid the replacement / renewal rate in year one.
You keep 100% by default. Lower it to model a reduced contract.
Year 1 is the keep ratio on first-year business: the share that sticks after early disenrollments (it also scales first-year income). Year 2 and Year 3+ apply as clients tenure in and get stickier, so renewals compound as your book ages.
Each work style is built from sales per workday during the Medicare enrollment periods, AEP (Oct 15 to Dec 7) and OEP (Jan 1 to Mar 31), and a lighter pace during SEP the rest of the year. "Off summer" means no selling in July, August, and September.
The "Avg sales / active month" slider shows these as an average over the months you actually work, which is why the seasonal styles read higher per month even though their yearly totals are lower, because they skip the slow summer months.
These are estimates only and not a guarantee of income. Figures are gross commissions before your business expenses (leads, E&O, licensing, certification, marketing) and use 2027 CMS maximum Medicare Advantage broker compensation as a starting point; actual commission, split, and retention vary by carrier, plan, region, and your individual agreement with CrestPoint. New-business income assumes you maintain the entered sales pace each active year. This tool models Medicare Advantage only and excludes ACA, ancillary, Part D, and bonus income.
How the numbers above are calculated and the assumptions behind them.
Defaults use the 2027 CMS maximum Medicare Advantage broker compensation: $725 initial / $363 renewal per member per year nationally, with higher tiers for CT, PA & DC ($816/$408) and CA & NJ ($902/$451), and lower for PR & USVI ($495/$248). Carriers may pay less than the maximum.
Carriers pay up to the CMS maximum initial commission only for members new to Medicare Advantage (aging in). Switchers who are already past their first MA year pay the lower replacement rate, which equals the renewal amount. The "new-to-Medicare share" slider sets that split. Every retained member then pays the renewal rate each following year, all multiplied by your commission split.
The projection starts from today, so Year 1 is your next twelve months. Experience sets a first-year ramp: experienced agents produce at full pace immediately, new-to-Medicare agents at 75% of full pace through year one, and new-to-insurance agents at 50%. Both newer levels reach full production in year two, reflecting the real time it takes to build momentum, referrals, and product knowledge.
Retention is modeled by how long a client has been enrolled. The Year-1 rate is the keep ratio on what you write in the first year: the share that sticks after rapid disenrollments and early churn (it also scales that year's income). Year-2 and Year-3+ rates then apply as the client tenures in and gets stickier. Defaults sit at 80% / 80% / 90%; adjust each to match your book.
Medicare Advantage only. Excludes ACA, Part D, ancillary, life, and any bonus income, all of which would increase totals. These are illustrative estimates, not a guarantee of earnings; actual results depend on your production, carrier mix, region, and agreement with CrestPoint.
Medicare Advantage pays an initial commission when you write a member, then a renewal commission every year they stay. As your book grows, renewals stack on top of new business.
You earn the initial commission on every new member you enroll, multiplied by your split. This is the foundation of your book.
Every retained member pays a renewal commission each year. Keep writing new business and your renewal base keeps growing underneath it.
By Year 5, a steady writer is earning new business plus several years of layered renewals, which is why owning your book matters.