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Income Calculator

Your premium.
Our contracts.
The difference, in dollars.

Most agencies have never seen their own book priced any way but the way they're being paid for it right now. This gives you the other number — as a broad band, in about fifteen seconds.

Calculate Your Income Opportunity See How the Math Works

Income Calculator

Run your book through the network.

Move the sliders. What comes back is a broad band for agencies around your size — not a quote, and not a precise figure, because carrier mix, state, and loss ratio all move the real answer by more than a slider can know. The version built on your actual book happens in conversation.

Where are you writing today?
$2M

Everything your agency writes in a year, across every carrier.

10%

Not sure? Leave it at 10% — that's the typical independent starting point.

Nothing here is sent anywhere. The sliders run in your browser; we never see a number until you decide to show us one.

Agencies around this size typically see

$45K – $100K

more a year on $2M of premium — a deliberately wide band: $45,000 to $100,000, rounded to the nearest $5,000. Illustrative1 — directional, not a quote.

Your economics today $200,000
The same book, inside OAA $245,000 – $300,000

What the Conversation Covers

The accurate version is a conversation, not a download.

  • Your carrier mix, run against the network lineup market by market.
  • Where your book sits against the compensation the network has negotiated.
  • The membership fee in full, set against what it has to outearn.
  • Your state's rules, and what they change about the answer above.
  • A three-year view: what the same book compounds to on renewal.
Book the Conversation

We don't publish our carrier economics, layer by layer or at all2. Those terms were negotiated for members, SIAA constrains what may be disclosed, and a public rate sheet is a gift to every competitor who'd take it back to the carriers. What we can do is work through your actual book with you.

The Honest Part

A slider knows your premium. It doesn't know your book.

The estimate above is built on the same modeled scenarios we publish on the carrier economics page: a hypothetical agency, a typical carrier lineup, industry-standard compensation structures. It is a range on purpose. Four things move the real number, and none of them fit in a slider.

  • 01

    Your carrier mix

    Which markets you write, and how much of your book sits with each, moves the answer more than any other single input.

  • 02

    Your loss ratio

    Profit sharing is paid on profitable business. A clean book earns layers a troubled book of the same size never sees.

  • 03

    Your state

    Regional programs, carrier appetite, and filing rules differ by state. So does what's available to you on day one.

  • 04

    Your commercial split

    Personal lines, commercial lines, and life & health don't pay alike — and they don't grow alike either.

In conversation we run those four against your actual book — your carrier mix, the membership fee set against what it has to outearn, and a straight answer about whether the math works for you. If it doesn't, we'll tell you that too.

Why the Detail Is Behind a Conversation

The terms are the asset. We don't publish them.

A public rate sheet is a competitive gift: any competitor could take our numbers back to the carriers and negotiate against them, and SIAA constrains what network economics may be disclosed at all. So the calculator gives you a broad band in the open — nothing more precise exists on this page or in it — and the specifics belong to a conversation, which is also, not coincidentally, the only place they can be made accurate.

180+4
Agencies the terms were negotiated for
5
Income layers the network is built on
30
Minutes to work through your own book
Get Your Number on a Call

Bring the Number

Come argue with our math.

Bring your premium volume, your carrier mix, and the band you just ran. We'll rebuild it on your real book in thirty minutes. Confidential, no obligation, and no one gets rejected for asking.

Book a Call Hear It From Members
  1. PLACEHOLDER: illustrative economics — the calculator returns precomputed composite bands, rounded outward to the nearest $5,000 across broad premium and commission buckets, derived from the same modeled $2M and $5M scenarios published on /carrier-economics — not from OAA member data or any carrier contract. Tony/LaDonna-approved assumptions and the SIAA disclosure-constraint check are pending. ↩
  2. OAA does not publish per-carrier or per-layer commission, profit-share, or bonus terms — they are not shown on this page and are not present in the code this page loads. Those terms are negotiated on behalf of the membership and are discussed with prospective members in conversation, subject to SIAA disclosure rules. PLACEHOLDER: confirm this wording with Marsha and SIAA compliance before launch. ↩
  3. PLACEHOLDER: methodology — captive book portability and ramp assumptions are planning estimates, not observed OAA transition data; substantiation pending. ↩
  4. PLACEHOLDER: methodology — member count and premium written per OAA records; Marsha verification pending. ↩