Year 1: $109,875
Year 3: $350,635
Year 5: $487,915
Total Buyout: $2,316,400
These are conservative, real-world projections based on actual agent performance. Your results will vary based on execution, but the CRA system is designed to produce consistent, predictable revenue across all six profit silos. Agents who implement 3+ silos consistently achieve high-six or seven-figure agency valuations within 5 years.
Silo II: CPAs
The Opportunity: CPAs already control their clients’ financial lives but aren’t monetizing insurance. Our system lets them add a lucrative revenue stream while positioning you to write all the business they refer.
Market Size: 650,000+ CPAs nationwide, each with 200-500+ clients. Just 2-3 CPA partnerships can transform your income.
Your Action: Introduce CPAs to our system. CRA’s Brand Ambassador handles all training and onboarding. You write policies and split commissions 50/50.
Real-World Assumptions:
- Start with 2 CPAs in Year 1, add 1 CPA each year
- Each CPA refers 150 Medicare clients/year (50% less than capacity)
- Medicare commission: $680 first-year per policy
- CPA gets 50% = $340/policy
- You get 50% = $340/policy
- Renewal commission = $340/policy with same 50/50 split
- Medicare persistency: 92%
- P&C bonus: 15 commercial referrals/year per CPA
- Avg premium: $3,500 × 15% commission = $525/policy
- 50/50 split on P&C = $262.50 to you
- P&C retention: 90%
Show Me the Money:
Year 1 (2 CPAs):
Medicare: 2 CPAs × 150 policies × $340 = $102,000
P&C: 2 CPAs × 15 policies × $262.50 = $7,875
Total Year 1: $109,875
Year 3 (4 CPAs):
New Medicare production:
– 4 CPAs × 150 policies × $340 = $204,000
Medicare renewals:
– Year 2 (3 CPAs): 3 × 138 policies × $170 = $70,380
– Year 1 (2 CPAs): 2 × 127 policies × $170 = $43,180
New P&C production:
– 4 CPAs × 15 policies × $262.50 = $15,750
P&C renewals (90% retention):
– Year 2 (3 CPAs): 3 × 14 policies × $262.50 = $11,025
– Year 1 (2 CPAs): 2 × 12 policies × $262.50 = $6,300
Total Year 3: $350,635
Year 5:
New producers (year 5): 53 producers × 24 policies × $125 = $159,000
Renewals stack (compounded with 85% retention):
– Year 4: (46×24×85%) policies × $125 = $117,300
– Year 3: (40×24×85%×85%) policies × $125 = $91,800
– Year 2: (35×24×85%×85%×85%) policies × $125 = $69,026
– Year 1: (30×24×85%×85%×85%×85%) policies × $125 = $50,789
Total Year 5: $487,915
Buyout Value (2.5X multiple on P&C): $1,219,788
Year 5 (6 CPAs):
New Medicare production:
– 6 CPAs × 150 policies × $340 = $306,000
Medicare renewals:
– Year 4 (5 CPAs): 5 × 138 policies × $170 = $117,300
– Year 3 (4 CPAs): 4 × 127 policies × $170 = $86,360
– Year 2 (3 CPAs): 3 × 117 policies × $170 = $59,670
– Year 1 (2 CPAs): 2 × 108 policies × $170 = $36,720
New P&C production:
– 6 CPAs × 15 policies × $262.50 = $23,625
P&C renewals (compounded with 90% retention):
– Years 1-4 stacked: $39,140
Total Year 5: $668,815
Buyout Value (Medicare at 4X, P&C at 2.5X): $2,316,400
