Free tool for insurance agents: price out an SMS campaign end to end — list cost, send cost, positive responses, appointments, deals, revenue, net profit, and break-even — before you spend a dollar. Every assumption is editable and all the math is shown below the tool.
Aged data lists run $0.01–$0.05; Link Leads is $0.015 flat.
Typical US A2P rate incl. carrier fees.
Initial text plus one follow-up is the common play.
15–20 positive responses per 10,000 texted is a realistic planning range for aged data.
Share of positive responses that book a real appointment — 5–10 appointments per 10,000 is typical.
Appointments are high intent — most agents close 50–100% of the ones that show.
First-year commission on your typical policy.
The calculator models an SMS campaign in three stages: what you spend, who responds, and what that response is worth. Nothing is hidden — every output above comes from the formulas below, so you can reproduce any number with a pocket calculator.
Note that on an aged-data play the sends usually cost more than the list itself. That is the whole economic argument for cheap data: the marginal cost of reaching one more prospect is a few cents, so volume is affordable in a way it never is at fresh-lead prices of several dollars apiece.
Positive response rate is the input that deserves the most skepticism. It is a fraction of one percent by design — the slider caps at 1% on purpose. If a projection only works at the top of the slider, treat it as a warning, not a plan.
Break-even is the number worth staring at. When one deal pays for 10,000 leads plus every text you send them, the question stops being "will this hit an 11x" and becomes "can I close one policy out of 8 appointments." That is a much easier bet to underwrite, and it stays true across a wide range of pessimistic inputs — drag the positive response slider down to its 0.1% floor and the campaign still breaks even on the first closed deal.
Deliberately excluded, because they vary too much by setup: 10DLC brand and campaign registration fees, texting-platform subscriptions, DNC scrubbing costs, your time working replies, and renewal commissions (which make the real ROI better than shown). One compliance note that is not optional: aged lead lists are not DNC-scrubbed at delivery, and no TCPA express consent is claimed — scrub before you send, and follow carrier rules. Details on how we source our leads.
Two line items: the list and the sends. List cost is leads times price per lead — 10,000 aged leads at $0.015 is $150. Send cost is leads times messages per lead times cost per SMS segment — texting 10,000 leads twice at $0.012 per segment is $240. Total spend for that campaign: $390.
Out of 10,000 texted aged leads, expect 15–20 positive responses (about 0.15–0.2%), of which 5–10 typically become booked appointments. Appointments are high intent, so close rates on the ones that show commonly run 50–100%. Results vary by vertical, script, offer, and list quality.
Break-even deals is your total spend divided by average commission per deal, rounded up. At $390 total spend and a $750 average commission, a single closed deal covers the entire campaign.
No. 10DLC registration, DNC scrubbing, and platform fees are extra and vary by provider. Aged lead lists are not DNC-scrubbed at delivery — the buyer is responsible for DNC scrubbing and all dialing/texting compliance before contacting anyone.
The list side of this math is live right now: filter by state and age band, pay $0.015/lead flat, and download your CSV instantly. Or grab the free 100-row masked sample first — no card required.