Moving from Transactional Profit to Lifetime Value
The transition requires a shift in core metrics: moving from "Gain on Sale" (transactional) to "Customer Lifetime Value" (lifecycle).
Implementing a full Concierge stack generates a recurring revenue stream that is uncorrelated with interest rate cycles.
Estimates based on a $500,000 home in Florida with a $400,000 mortgage.
| Product Category | Standard Agent Commission | Typical Lender/Partner Fee | 5-Year Revenue (Est.) |
|---|---|---|---|
| Homeowners Insurance | 10% – 15% (New) / 5% (Renewal) | 20% – 30% of Agent Comm. | $550 – $800 |
| Home Warranty | 15% – 25% of Policy Price | $100 – $200 Flat Bounty | $150 – $300 |
| Life Insurance (MPI) | 60% – 100% (Year 1 Premium) | 20% – 40% of Agent Comm. | $300 – $600 |
| Disability Insurance | 40% – 70% (Year 1 Premium) | 20% – 40% of Agent Comm. | $250 – $500 |
| Smart-Home (Vivint) | $300 – $600 (per system) | $150 – $250 Referral Fee | $150 – $250 |
| Utility Concierge | Flat Lead Fee | $50 – $100 Flat Fee | $50 – $100 |