Industry · Insurance

Revenue intelligence for
insurance.

First-year commission and renewal commission are completely different numbers, and the renewal trail is where the actual money is. Almost no one forecasts the trail, which means most agents systematically underestimate the value of retention against new business.

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Typical commission
5–15% (captive vs independent)
market range
Median sales cycle
60–120 days
opportunity to close
Typical win rate
18–25%
qualified pipeline
Deal size
Varies widely by line
sector average

Benchmarks compiled from published 2025–2026 industry research. Treat as directional, not prescriptive — your own trailing four-quarter average is the only benchmark that matters.

The signals that matter here

Generic deal scoring gets this wrong.

Most deal-scoring models were built on a mid-market SaaS motion and quietly assume it. In insurance, the signals that actually predict a close are different — and a model that does not know that will confidently mislead you.

Sector-specific signals

· First-year vs renewal trail commission

· Persistency and lapse-driven clawback

· Captive (5–10% plus salary) vs independent (up to 15%, no base)

· Policy-line mix and its effect on blended rate

The verdict

In insurance, the retention number is worth more than the acquisition number and gets a fraction of the attention. Forecast the trail.


What Quotarider does about it

Deal health weighted for a 60–120 days cycle. Commission modelled against the actual structure — not a generic percentage. And a sourcing cutoff calculated from your real cycle length, so you know the last day a deal can be started and still land this period.

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