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Income Calculator

What your book could earn
under OAA's contracts.

Most agencies have only seen their book priced the way they're paid for it today. This gives you a first estimate of what it could earn under OAA's contracts, in about ten seconds.

Calculate Your Income Opportunity See How the Math Works

Income Calculator

Estimate what your book could earn.

Enter where you write today and how much. The result is the top of a modelled range for an agency of that size: a first look, not a quote, and not drawn from member results. The number 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%, the typical independent starting point.

Nothing here is sent anywhere. The sliders run in your browser.

Modelled for an agency this size

up to $100K

more a year on $2M of premium. That is the top of a deliberately wide modelled range, not an average of what members earn. Where your own book lands inside it is the conversation.

Illustrative1: directional, not a quote. Gross income, before OAA membership fees and your agency's own expenses.

Get Your Real Number on a Call

Thirty minutes, on your actual carrier mix and state, with the membership fee set against what it has to outearn. We don't publish our carrier economics2; the accurate version only exists in that conversation.

Limits of the Estimate

What the estimate can't account for.

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, because 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, and so does what's available to you on day one.

  • 04

    Your commercial split

    Personal lines, commercial lines, and life & health pay differently and grow at different rates.

In conversation we run those four against your actual book, including your carrier mix and the membership fee set against what it has to outearn, and give you a straight answer about whether the math works for you, even if the answer is no.

Carrier Terms

Why we don't publish our carrier terms.

A public rate sheet is a competitive gift: any competitor could take our numbers back to the carriers and negotiate against them. SIAA also 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 are worked out in conversation, the only place they can be made accurate.

170+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

Check our math against your book.

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

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  1. Illustrative economics. The figure shown is the upper edge of a precomputed composite band, rounded outward to the nearest $5,000 across broad premium and commission buckets and derived from the same modeled $2M and $5M scenarios published on the carrier economics page, not from OAA member data or any carrier contract. Actual results depend on carrier mix, state, loss experience, line-of-business split, and the membership fee, and can be lower than the figure shown, including below current income. ↩
  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. ↩
  3. Captive-path figures assume that roughly 60% of a captive agent's current premium transfers to the new agency over about 24 months. These are planning assumptions used for illustration across this site, not observed OAA transition data; individual outcomes vary with carrier non-compete terms, client mix, and market. ↩
  4. Member-agency count is a One Agents Alliance network figure, covering agencies placing business through OAA. ↩