The Income Potential Calculator provided on this website is for illustrative and educational purposes only. It is designed to demonstrate how changes in production assumptions may affect potential commission earnings based on the information entered by the user. The calculator is intended solely as a planning tool and should not be interpreted as a promise, guarantee, or prediction of future income.

The calculator estimates potential commission income using the values entered by the user, including:

• Number of presentations conducted per week
• Estimated closing percentage
• Average annual premium per policy sold
• Compensation percentage
• Number of weeks worked per year
• Estimated weekly business expenses

Using these inputs, the calculator estimates:

• Weekly gross commission
• Monthly gross commission
• Annual gross commission
• Estimated annual net income (gross commissions less user-entered weekly business expenses)
• Estimated number of families served annually

These calculations are based solely on mathematical formulas derived from the information entered by the user. The calculator does not use historical earnings data or predict future financial performance.

The calculator assumes that all user-entered information is accurate and that production levels remain consistent throughout the selected work period. Actual business results rarely occur with perfect consistency.

The calculator does not account for numerous factors that may significantly affect actual earnings, including but not limited to:

• Individual work ethic and activity level
• Sales ability and experience
• Licensing status and appointment approvals
• Lead quality, availability, and conversion rates
• Product selection and carrier underwriting decisions
• Policy placement and issue rates
• Policy lapses, cancellations, chargebacks, or persistency
• Bonuses, incentives, contests, overrides, renewals, or vested income
• State licensing fees, continuing education, marketing expenses, travel expenses, taxes, technology costs, or other business expenses beyond the estimated weekly expense entered by the user
• Market conditions, economic factors, carrier compensation changes, or regulatory changes

Because these and other factors vary significantly among independent agents, actual results may differ substantially from the estimates generated by the calculator.

Bear Insurance Group makes no representation, warranty, or guarantee that any individual will achieve the income illustrated by this calculator.

Success as an independent insurance professional depends upon numerous variables, including an individual’s commitment, effort, consistency, sales skills, training participation, business decisions, market conditions, and other factors beyond the control of Bear Insurance Group.

Past performance, hypothetical examples, or estimated calculations are not indicative of future results.

Insurance professionals affiliated with Bear Insurance Group operate as independent contractors unless otherwise specified by written agreement. Individual earnings are not salaries or wages but are generally derived from commissions and other compensation paid by insurance carriers in accordance with applicable contracts and compensation schedules.

Independent contractors are responsible for their own business expenses, tax obligations, licensing requirements, and compliance with applicable federal, state, and carrier regulations.

The information provided by this calculator does not constitute financial, tax, legal, accounting, or investment advice. Users should consult their own qualified professional advisors before making financial or business decisions.

By using this calculator, you acknowledge that you understand these limitations and agree that any estimates generated are hypothetical examples based solely on the information you provide. You agree not to rely upon the calculator as a guarantee or representation of future income or business performance.