---
title: "Lead Subscription ROI: Walking Through the Math on Every Plan"
description: "Plug your close rate and AOV into the model — see why Pro, Elite, and Agency each have a producer-count sweet spot."
url: https://unlockedcrm.ai/blog/lead-subscription-roi-calculator-walkthrough
canonical: https://unlockedcrm.ai/blog/lead-subscription-roi-calculator-walkthrough
category: "Lead Generation"
published: 2026-06-05
author: "unLocked CRM Team"
source: unLocked CRM — AI CRM for insurance agents
---

# Lead Subscription ROI: Walking Through the Math on Every Plan

## TL;DR

ROI on a lead plan = (volume × close rate × AOV) − plan cost. Pro pays back at ~3 issued policies/month, Elite at ~5, Agency at ~13. Most teams blow past those breakevens in the first two weeks.

Quick model: at $150 average commission per issued policy, here's what each plan needs to break even before you count renewals.

## Breakeven by plan

| Plan | Monthly cost | Issued policies to break even |
|---|---|---|
| Starter ($47) | 5–6 wk aged | ~1 policy |
| Pro ($97) | 4–5 wk aged | ~1 policy |
| Elite ($197) | 2–3 wk aged | ~2 policies |
| Agency ($497) | 1–2 wk aged | ~4 policies |

At a $400 AOV (life or annuity riders), Agency breaks even at a single issued policy.

## What this misses

- **Renewals** — most policies pay over multiple years
- **Cross-sell** — every record becomes a future life, Medicare, or final expense conversation
- **List value** — the CSV is yours forever; re-marketing has no incremental cost

## How to set the budget

Start one tier below where you think you need to be, run for 30 days, then scale up once you have your own internal close-rate number.

## FAQ

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## Related

- https://unlockedcrm.ai/blog/lead-cost-per-acquisition-aged-vs-exclusive
- https://unlockedcrm.ai/blog/unlocked-leads-agency-plan-2500-leads-per-month
- https://unlockedcrm.ai/blog/starter-vs-pro-vs-elite-vs-agency-plan-comparison

---

Source: [Lead Subscription ROI: Walking Through the Math on Every Plan](https://unlockedcrm.ai/blog/lead-subscription-roi-calculator-walkthrough) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/lead-subscription-roi-calculator-walkthrough.