Free Tool · Profit Lock Protocol
Lock in profit before you spend a dollar on ads.
The math every insurance agent should know — but almost none do. Plug in your numbers. Walk away with a profit floor you can’t accidentally drop below.
Your numbers
Live updates. Nothing saved, nothing sent.
e.g. 100 means 100% of annual premium
What portion of the 12-month commission you get upfront
Of premium that flows to commission (vs cash value)
Total annual premium per closed deal
Of leads that become policies
Your profit floor
Stay above this line and you mathematically can’t lose money on ads.
Effective margin
45.0%
Commission × advance × allocation
Customer value
$1,080
What one closed policy nets you
Max CAC
$540
50% of customer value — your spend ceiling per closed deal
Break-even ROAS
2.22x
Revenue per $1 spent that gets you to zero
Max cost per lead
$54
At your close rate — anything below this is profit
Min test spend
$1,080
2× max CAC — never judge results before this
The Profit Lock Rule
If your cost per lead × close rate stays under $540, you lock in profit on every cohort. Spend below that floor and the math works whether your CPL is $4.50, $45, or $145.
Show me the math
Effective margin = commission × advance × allocation. With 100% × 75% × 60% = 45%, every dollar of premium produces $0.45 of immediate cash to you.
Customer value = annual premium × effective margin. A $2,400/yr policy at 45% margin = $1,080 you actually receive.
Max CACis half of customer value — the 50% Rule. Half goes to ads, half stays as your profit floor. You literally can’t lose money inside this bound.
Break-even ROAS = 1 ÷ effective margin. At 45% margin you need $2.22 of revenue per $1 of spend to break even. Anything more is profit.
Cost per lead is junior data. $4.50/lead at 1% close rate = same CAC as $45/lead at 10%. Watch CAC and ROAS, not CPL.