Insurance Agency Seller Strategy Tool
Discover how much money you're leaving on the table — and the tax strategy most agents don't know about.
This is the only calculator that shows you the full picture: market value, tax impact, and carryback income projections.
True Market Value
See your agency's real worth based on industry multiples (1.1-2.2x revenue, 1.8-3.7x earnings)
Tax Comparison
Lump sum sale vs. installment sale — see how carryback defers capital gains taxes
Monthly Income
Project your carryback income stream — turn your sale into recurring revenue
Why Carryback Financing is Smarter
❌ Traditional Lump Sum Sale
- • Entire capital gain taxed in year of sale
- • Could push you into higher tax bracket
- • 15-20% federal + state capital gains
- • You get cash, but lose $200K-$500K to taxes
✅ Carryback Financing (Installment Sale)
- • Taxes deferred — only pay as you receive payments
- • Stay in lower tax bracket over time
- • Interest income from buyer (3-4% on $1.6M = $56K-$64K/year)
- • Aligned incentives — buyer motivated to succeed
Sellers using our platform structure deals that defer $200K-$500K in taxes while earning $50K+/year in carryback income.
List Your Agency Now💡 Pro Tip: Captive Agency Owners
If you're a captive agent (State Farm, Allstate, etc.), switching to independent before selling can increase your agency value by 20-40%.
Captive restrictions on book ownership and carrier appointments significantly reduce what buyers will pay. Independent agencies command higher multiples.