Free tools
Small calculators for the arithmetic that costs agencies real money when it is done late or not at all. Every one runs entirely in your browser. There is no account, no upload, and nothing you type reaches us.
What one issued policy actually costs through paid leads: a click price carried through three conversion steps, against first-year commission — and the same policy written to someone already in your book.
Open the calculator →The last date a term policy can be converted to permanent coverage, from the issue date, term length, and whichever limits the contract carries. Shows which limit binds.
Open the calculator →A client's insurance age on both bases, and the exact date the rate age goes up on an age-nearest carrier. That date is six months before the birthday, and it is the one producers miss.
Open the calculator →What a client gives up by moving early, and the date the charge reaches zero.
In progressWhat the premium does when the level period ends, and when the conversation needs to start.
In progressA spreadsheet for working through an unassigned book, in the shape our scan reads back.
In progressEvery one of these calculations is buried in a contract, takes a few minutes to do by hand, and has to be redone as dates move. Doing it for one client is annoying. Doing it across a book of several thousand policies is why most of these opportunities are never worked at all.
Pendwell Life runs the same arithmetic across your whole book from a spreadsheet export, ranks what it finds by the commission on the table, and then writes and sends the outreach in your agency's name. The scan is free.
The scan is free and there's nothing to integrate. Tell us about your agency and we'll come back with who to call, why, and what it's worth.