Tools
Build an insurance agency, five years out.
A live pro-forma. Change your book, your team, your costs, and watch break-even, cash, EBITDA, and value move in real time. It's the same model I ran in a spreadsheet for years, ported to the page with every formula visible.
✓ every figure traces to an input above
Breaks even in month 28, but rides a cash low of $7,841 first. By year five: $308,877 EBITDA, about $1,775,706 at a 6× exit. The question was never whether it works, it's whether you survive month 16.
Your Book (owner's lines at full ramp)
Blended: $2,154 premium · 13.5% commission · 89% retention
Production & Pay (owner)
Capital & Costs
Bonus & Valuation
Sica Fletcher put the average at 11.8× in H1 2025; platform/PE buyers pay ~14× at close. Small tuck-ins trade lower (~7.5–12×).
Sica Fletcher Index; MarshBerry; OPTIS Partners · 2024–25 ↗Cash position · 60 months
5-Year Pro-Forma (annual)
| Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | |
|---|---|---|---|---|---|
| Revenue | $47,213 | $129,029 | $208,040 | $275,602 | $335,877 |
| Expenses | $100,500 | $102,000 | $102,000 | $102,000 | $102,000 |
| Net income | -$53,287 | $27,029 | $106,040 | $173,602 | $233,877 |
| EBITDA (excl. bonus) | $9,213 | $102,029 | $174,577 | $238,907 | $295,951 |
| Value · EBITDA | $55,280 | $612,171 | $1,047,460 | $1,433,443 | $1,775,706 |
| Policies in force | 182 | 446 | 680 | 887 | 1,071 |
EBITDA adds back owner salary and excludes contingent bonus, the workbook’s conservative valuation basis. Every figure traces to an input you set above.