$300k total commission • 70% personal / 30% commercial
Personal Share
70%
$210k commission
Commercial Share
30%
$90k commission
Avg Commission
$1,200
personal lines
Avg Commission
$3,500
commercial lines
Mix Comparison
Profitability
| Scenario |
Personal % |
Commercial % |
Est. Profit |
| Current Mix |
70% |
30% |
Base |
| Balanced Mix |
50% |
50% |
+18% |
| Commercial Heavy |
30% |
70% |
+32% |
| Personal Heavy |
90% |
10% |
-12% |
Shift toward 50/50 mix: same client count, 18% more profit.
Commercial clients pay higher premiums, stay longer, and refer B2B circles.
Going >70% commercial raises cash-flow volatility. Keep minimum 30% personal for steady renewal income and cross-sell
opportunities.
Based on average personal premium $1,200 (10% commission) and commercial premium $3,500 (10%
commission), 5-year client life, 15% lapse rate.