{"text_format":"1","workbook":"xlsx","n_sheets":12,"sheets":["Personal Lines P&C","Commercial Lines P&C","Income Generator","5 Year Summary","Agent Expense Budget","Capital Resources","Leads-Prospects Template","AAP Calculator","AAA-AAP Variables","Bonus","MacroDefaults","Sheet1"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":6,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Personal Lines P&C","index":0,"n_rows":41,"n_cols":9,"rows_kept":41,"cut":false,"hidden":false,"merged":[[38,0,38,1],[0,2,0,8]]}
["Product Type","Per Policy","New and Renewal Premiums and Commissions"]
[]
["PERSONAL LINES Products","Avg Prem. ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm"]
["Auto"]
["Avg Annual Prem Per Unit",0]
["Avg # Auto Units Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C6:G6)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,2,FALSE)","v":0.1},{"$f":"IF($C$7=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,2,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,3,FALSE),$C$7)","v":0.1},{"$f":"IF($C$7=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,2,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,4,FALSE),$C$7)","v":0.1},{"$f":"IF($C$7=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,2,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,5,FALSE),$C$7)","v":0.1},{"$f":"IF($C$7=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,2,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,6,FALSE),$C$7)","v":0.1},null,{"$f":"AVERAGE(C7:G7)","v":0.1}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C8","v":0.9},{"$f":"C8","v":0.9},{"$f":"C8","v":0.9},{"$f":"C8","v":0.9},null,{"$f":"AVERAGE(C8:G8)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C9","v":0.9},{"$f":"C9","v":0.9},{"$f":"C9","v":0.9},{"$f":"C9","v":0.9},null,{"$f":"AVERAGE(C9:G9)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B5*C6*12*C8","v":0},{"$f":"$B5*D6*12*D8","v":0},0,0,0,null,{"$f":"SUM(C10:G10)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C10*D9","v":0},{"$f":"(D10+D11)*E9","v":0},{"$f":"(E10+E11)*F9","v":0},{"$f":"(F10+F11)*G9","v":0},null,{"$f":"SUM(C11:G11)","v":0}]
["Annual Commission Paid $",null,{"$f":"C10*C7","v":0},{"$f":"D10*D7","v":0},{"$f":"E10*E7","v":0},{"$f":"F10*F7","v":0},{"$f":"G10*G7","v":0},null,{"$f":"SUM(C12:G12)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D11*D7","v":0},{"$f":"E11*E7","v":0},{"$f":"F11*F7","v":0},{"$f":"G11*G7","v":0},null,{"$f":"SUM(C13:G13)","v":0}]
[]
["Homeowners"]
["Avg Annual Prem Per Policy",0]
["Avg #  Homes Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C17:G17)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,7,FALSE)","v":0.12},{"$f":"IF($C$18=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,7,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,8,FALSE),$C$18)","v":0.12},{"$f":"IF($C$18=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,7,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,9,FALSE),$C$18)","v":0.12},{"$f":"IF($C$18=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,7,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,10,FALSE),$C$18)","v":0.12},{"$f":"IF($C$18=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,7,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,11,FALSE),$C$18)","v":0.12},null,{"$f":"AVERAGE(C18:G18)","v":0.12}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C19","v":0.9},{"$f":"C19","v":0.9},{"$f":"C19","v":0.9},{"$f":"C19","v":0.9},null,{"$f":"AVERAGE(C19:G19)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C20","v":0.9},{"$f":"C20","v":0.9},{"$f":"C20","v":0.9},{"$f":"C20","v":0.9},null,{"$f":"AVERAGE(C20:G20)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B16*C17*12*C19","v":0},{"$f":"$B16*D17*12*D19","v":0},0,0,0,null,{"$f":"SUM(C21:G21)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C21*D20","v":0},{"$f":"(D21+D22)*E20","v":0},{"$f":"(E21+E22)*F20","v":0},{"$f":"(F21+F22)*G20","v":0},null,{"$f":"SUM(C22:G22)","v":0}]
["Annual Commission Paid $",null,{"$f":"C21*C18","v":0},{"$f":"D21*D18","v":0},{"$f":"E21*E18","v":0},{"$f":"F21*F18","v":0},{"$f":"G21*G18","v":0},null,{"$f":"SUM(C23:G23)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D22*D18","v":0},{"$f":"E22*E18","v":0},{"$f":"F22*F18","v":0},{"$f":"G22*G18","v":0},null,{"$f":"SUM(C24:G24)","v":0}]
[]
["Umbrella"]
["Avg Annual Prem Per Policy",0]
["Avg # Umbrella Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C28:G28)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,12,FALSE)","v":0.105},{"$f":"IF($C$29=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,12,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,13,FALSE),$C$29)","v":0.105},{"$f":"IF($C$29=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,12,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,14,FALSE),$C$29)","v":0.105},{"$f":"IF($C$29=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,12,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,15,FALSE),$C$29)","v":0.105},{"$f":"IF($C$29=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,12,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,16,FALSE),$C$29)","v":0.105},null,{"$f":"AVERAGE(C29:G29)","v":0.10500000000000001}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C30","v":0.9},{"$f":"C30","v":0.9},{"$f":"C30","v":0.9},{"$f":"C30","v":0.9},null,{"$f":"AVERAGE(C30:G30)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C31","v":0.9},{"$f":"C31","v":0.9},{"$f":"C31","v":0.9},{"$f":"C31","v":0.9},null,{"$f":"AVERAGE(C31:G31)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B27*C28*12*C30","v":0},{"$f":"$B27*D28*12*D30","v":0},0,0,0,null,{"$f":"SUM(C32:G32)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C32*D31","v":0},{"$f":"(D32+D33)*E31","v":0},{"$f":"(E32+E33)*F31","v":0},{"$f":"(F32+F33)*G31","v":0},null,{"$f":"SUM(C33:G33)","v":0}]
["Annual Commission Paid $",null,{"$f":"C32*C29","v":0},{"$f":"D32*D29","v":0},{"$f":"E32*E29","v":0},{"$f":"F32*F29","v":0},{"$f":"G32*G29","v":0},null,{"$f":"SUM(C34:G34)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D33*D29","v":0},{"$f":"E33*E29","v":0},{"$f":"F33*F29","v":0},{"$f":"G33*G29","v":0},null,{"$f":"SUM(C35:G35)","v":0}]
[]
[]
[]
["Total PERSONAL LINES PROPERTY and CASUALTY Premium",null,{"$f":"C10+C11+C21+C22+C32+C33","v":0},{"$f":"D10+D11+D21+D22+D32+D33","v":0},0,0,0,null,{"$f":"SUM(C39:G39)","v":0}]
[]
["Protection - \"AGENCY\""]

{"sheet":"Commercial Lines P&C","index":1,"n_rows":73,"n_cols":9,"rows_kept":73,"cut":false,"hidden":false,"merged":[[70,0,70,1],[0,2,0,8]]}
["Product Type","Per Policy","New and Renewal Premiums and Commissions"]
["COMMERCIAL LINES Products","Avg Prem. ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm"]
["Business Owner Policy"]
["Avg Annual Prem Per Policy",0]
["Avg # Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C5:G5)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,17,FALSE)","v":0.12},{"$f":"IF($C$6=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,17,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,18,FALSE),$C$6)","v":0.12},{"$f":"IF($C$6=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,17,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,19,FALSE),$C$6)","v":0.12},{"$f":"IF($C$6=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,17,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,20,FALSE),$C$6)","v":0.12},{"$f":"IF($C$6=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,17,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,21,FALSE),$C$6)","v":0.12},null,{"$f":"AVERAGE(C6:G6)","v":0.12}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C7","v":0.9},{"$f":"C7","v":0.9},{"$f":"C7","v":0.9},{"$f":"C7","v":0.9},null,{"$f":"AVERAGE(C7:G7)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C8","v":0.9},{"$f":"C8","v":0.9},{"$f":"C8","v":0.9},{"$f":"C8","v":0.9},null,{"$f":"AVERAGE(C8:G8)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B4*C5*12*C7","v":0},{"$f":"$B4*D5*12*D7","v":0},0,0,0,null,{"$f":"SUM(C9:G9)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C9*D8","v":0},{"$f":"(D9+D10)*E8","v":0},{"$f":"(E9+E10)*F8","v":0},{"$f":"(F9+F10)*G8","v":0},null,{"$f":"SUM(C10:G10)","v":0}]
["Annual Commission Paid $",null,{"$f":"C9*C6","v":0},{"$f":"D9*D6","v":0},{"$f":"E9*E6","v":0},{"$f":"F9*F6","v":0},{"$f":"G9*G6","v":0},null,{"$f":"SUM(C11:G11)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D10*D6","v":0},{"$f":"E10*E6","v":0},{"$f":"F10*F6","v":0},{"$f":"G10*G6","v":0},null,{"$f":"SUM(C12:G12)","v":0}]
[]
["Business Auto"]
["Avg Annual Prem Per Auto",0]
["Avg # Autos Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C16:G16)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,22,FALSE)","v":0.1},{"$f":"IF($C$17=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,22,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,23,FALSE),$C$17)","v":0.1},{"$f":"IF($C$17=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,22,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,24,FALSE),$C$17)","v":0.1},{"$f":"IF($C$17=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,22,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,25,FALSE),$C$17)","v":0.1},{"$f":"IF($C$17=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,22,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,26,FALSE),$C$17)","v":0.1},null,{"$f":"AVERAGE(C17:G17)","v":0.1}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C18","v":0.9},{"$f":"C18","v":0.9},{"$f":"C18","v":0.9},{"$f":"C18","v":0.9},null,{"$f":"AVERAGE(C18:G18)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C19","v":0.9},{"$f":"C19","v":0.9},{"$f":"C19","v":0.9},{"$f":"C19","v":0.9},null,{"$f":"AVERAGE(C19:G19)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B15*C16*12*C18","v":0},{"$f":"$B15*D16*12*D18","v":0},0,0,0,null,{"$f":"SUM(C20:G20)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C20*D19","v":0},{"$f":"(D20+D21)*E19","v":0},{"$f":"(E20+E21)*F19","v":0},{"$f":"(F20+F21)*G19","v":0},null,{"$f":"SUM(C21:G21)","v":0}]
["Annual Commission Paid $",null,{"$f":"C20*C17","v":0},{"$f":"D20*D17","v":0},{"$f":"E20*E17","v":0},{"$f":"F20*F17","v":0},{"$f":"G20*G17","v":0},null,{"$f":"SUM(C22:G22)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D21*D17","v":0},{"$f":"E21*E17","v":0},{"$f":"F21*F17","v":0},{"$f":"G21*G17","v":0},null,{"$f":"SUM(C23:G23)","v":0}]
[]
["Special Farm Package"]
["Avg Annual Prem Per Policy",0]
["Avg # Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C27:G27)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,27,FALSE)","v":0.12},{"$f":"IF($C$28=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,27,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,28,FALSE),$C$28)","v":0.12},{"$f":"IF($C$28=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,27,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,29,FALSE),$C$28)","v":0.12},{"$f":"IF($C$28=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,27,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,30,FALSE),$C$28)","v":0.12},{"$f":"IF($C$28=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,27,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,31,FALSE),$C$28)","v":0.12},null,{"$f":"AVERAGE(C28:G28)","v":0.12}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C29","v":0.9},{"$f":"C29","v":0.9},{"$f":"C29","v":0.9},{"$f":"C29","v":0.9},null,{"$f":"AVERAGE(C29:G29)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C30","v":0.9},{"$f":"C30","v":0.9},{"$f":"C30","v":0.9},{"$f":"C30","v":0.9},null,{"$f":"AVERAGE(C30:G30)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B26*C27*12*C29","v":0},{"$f":"$B26*D27*12*D29","v":0},0,0,0,null,{"$f":"SUM(C31:G31)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C31*D30","v":0},{"$f":"(D31+D32)*E30","v":0},{"$f":"(E31+E32)*F30","v":0},{"$f":"(F31+F32)*G30","v":0},null,{"$f":"SUM(C32:G32)","v":0}]
["Annual Commission Paid $",null,{"$f":"C31*C28","v":0},{"$f":"D31*D28","v":0},{"$f":"E31*E28","v":0},{"$f":"F31*F28","v":0},{"$f":"G31*G28","v":0},null,{"$f":"SUM(C33:G33)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D32*D28","v":0},{"$f":"E32*E28","v":0},{"$f":"F32*F28","v":0},{"$f":"G32*G28","v":0},null,{"$f":"SUM(C34:G34)","v":0}]
[]
["Workers Comp"]
["Avg Annual Prem Per Policy",0]
["Avg # Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C38:G38)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,32,FALSE)","v":0.05},{"$f":"IF($C$39=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,32,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,33,FALSE),$C$39)","v":0.05},{"$f":"IF($C$39=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,32,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,34,FALSE),$C$39)","v":0.05},{"$f":"IF($C$39=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,32,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,35,FALSE),$C$39)","v":0.05},{"$f":"IF($C$39=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,32,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,36,FALSE),$C$39)","v":0.05},null,{"$f":"AVERAGE(C39:G39)","v":0.05}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C40","v":0.9},{"$f":"C40","v":0.9},{"$f":"C40","v":0.9},{"$f":"C40","v":0.9},null,{"$f":"AVERAGE(C40:G40)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C41","v":0.9},{"$f":"C41","v":0.9},{"$f":"C41","v":0.9},{"$f":"C41","v":0.9},null,{"$f":"AVERAGE(C41:G41)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B37*C38*12*C40","v":0},{"$f":"$B37*D38*12*D40","v":0},0,0,0,null,{"$f":"SUM(C42:G42)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C42*D41","v":0},{"$f":"(D42+D43)*E41","v":0},{"$f":"(E42+E43)*F41","v":0},{"$f":"(F42+F43)*G41","v":0},null,{"$f":"SUM(C43:G43)","v":0}]
["Annual Commission Paid $",null,{"$f":"C42*C39","v":0},{"$f":"D42*D39","v":0},{"$f":"E42*E39","v":0},{"$f":"F42*F39","v":0},{"$f":"G42*G39","v":0},null,{"$f":"SUM(C44:G44)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D43*D39","v":0},{"$f":"E43*E39","v":0},{"$f":"F43*F39","v":0},{"$f":"G43*G39","v":0},null,{"$f":"SUM(C45:G45)","v":0}]
[]
["Commercial Package Policy"]
["Avg Annual Prem Per Policy",0]
["Avg # Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C49:G49)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,37,FALSE)","v":0.12},{"$f":"IF($C$50=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,37,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,38,FALSE),$C$50)","v":0.12},{"$f":"IF($C$50=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,37,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,39,FALSE),$C$50)","v":0.12},{"$f":"IF($C$50=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,37,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,40,FALSE),$C$50)","v":0.12},{"$f":"IF($C$50=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,37,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,41,FALSE),$C$50)","v":0.12},null,{"$f":"AVERAGE(C50:G50)","v":0.12}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C51","v":0.9},{"$f":"C51","v":0.9},{"$f":"C51","v":0.9},{"$f":"C51","v":0.9},null,{"$f":"AVERAGE(C51:G51)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C52","v":0.9},{"$f":"C52","v":0.9},{"$f":"C52","v":0.9},{"$f":"C52","v":0.9},null,{"$f":"AVERAGE(C52:G52)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B48*C49*12*C51","v":0},{"$f":"$B48*D49*12*D51","v":0},0,0,0,null,{"$f":"SUM(C53:G53)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C53*D52","v":0},{"$f":"(D53+D54)*E52","v":0},{"$f":"(E53+E54)*F52","v":0},{"$f":"(F53+F54)*G52","v":0},null,{"$f":"SUM(C54:G54)","v":0}]
["Annual Commission Paid $",null,{"$f":"C53*C50","v":0},{"$f":"D53*D50","v":0},{"$f":"E53*E50","v":0},{"$f":"F53*F50","v":0},{"$f":"G53*G50","v":0},null,{"$f":"SUM(C55:G55)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D54*D50","v":0},{"$f":"E54*E50","v":0},{"$f":"F54*F50","v":0},{"$f":"G54*G50","v":0},null,{"$f":"SUM(C56:G56)","v":0}]
[]
["Commercial/Farm Umbrella"]
["Avg Annual Prem Per Policy",0]
["Avg # Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(C60:G60)*12","v":0}]
["Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,42,FALSE)","v":0.105},{"$f":"IF($C$61=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,42,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,43,FALSE),$C$61)","v":0.105},{"$f":"IF($C$61=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,42,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,44,FALSE),$C$61)","v":0.105},{"$f":"IF($C$61=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,42,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,45,FALSE),$C$61)","v":0.105},{"$f":"IF($C$61=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,42,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,46,FALSE),$C$61)","v":0.105},null,{"$f":"AVERAGE(C61:G61)","v":0.10500000000000001}]
["Avg 1st Year Annual Persistency",null,0.9,{"$f":"C62","v":0.9},{"$f":"C62","v":0.9},{"$f":"C62","v":0.9},{"$f":"C62","v":0.9},null,{"$f":"AVERAGE(C62:G62)","v":0.9}]
["Avg Renewal Annual Persistency",null,0.9,{"$f":"C63","v":0.9},{"$f":"C63","v":0.9},{"$f":"C63","v":0.9},{"$f":"C63","v":0.9},null,{"$f":"AVERAGE(C63:G63)","v":0.9}]
["Total 1st Year Premium Collected",null,{"$f":"$B59*C60*12*C62","v":0},{"$f":"$B59*D60*12*D62","v":0},0,0,0,null,{"$f":"SUM(C64:G64)","v":0}]
["Total Renewal Premium Collected",null,null,{"$f":"C64*D63","v":0},{"$f":"(D64+D65)*E63","v":0},{"$f":"(E64+E65)*F63","v":0},{"$f":"(F64+F65)*G63","v":0},null,{"$f":"SUM(C65:G65)","v":0}]
["Annual Commission Paid $",null,{"$f":"C64*C61","v":0},{"$f":"D64*D61","v":0},{"$f":"E64*E61","v":0},{"$f":"F64*F61","v":0},{"$f":"G64*G61","v":0},null,{"$f":"SUM(C66:G66)","v":0}]
["Renewal Commission Paid $",null,0,{"$f":"D65*D61","v":0},{"$f":"E65*E61","v":0},{"$f":"F65*F61","v":0},{"$f":"G65*G61","v":0},null,{"$f":"SUM(C67:G67)","v":0}]
[]
[]
[]
["Total COMMERCIAL LINES PROPERTY and CASUALTY Premium",null,{"$f":"C9+C10+C20+C21+C31+C32+C42+C43+C53+C54+C64+C65","v":0},{"$f":"D9+D10+D20+D21+D31+D32+D42+D43+D53+D54+D64+D65","v":0},0,0,0,null,{"$f":"SUM(C71:G71)","v":0}]
[]
[null,null,null,null,null,null,null,null,{"$f":"'Income Generator'!J150","v":"16JUL18/mlm/wch"}]

{"sheet":"Income Generator","index":2,"n_rows":165,"n_cols":13,"rows_kept":165,"cut":false,"hidden":false,"merged":[[59,12,72,12],[97,12,98,12],[139,12,140,12],[147,1,147,9],[100,1,100,2],[74,1,74,2],[141,1,141,2],[145,1,145,2],[142,1,142,2],[99,1,99,2],[1,7,1,9],[1,1,1,5],[33,1,33,2],[73,1,73,2],[34,1,34,2],[3,3,3,9],[148,1,148,9],[149,1,149,3],[149,4,149,6],[151,7,152,9],[151,1,152,1]]}
[]
[null,"Agency Plan",null,null,null,null,"Candidate",{"$f":"MacroDefaults!B1","v":"Mr./ Mrs. Agent"}]
[null,"NAME OF CANDIDATE",null,null,null,null,null,{"$f":"TODAY()","v":"2018-08-30"},null,"Page -1 of 2-"]
[null,"Product Type","Per Policy","New and Renewal Premiums and Commissions"]
[]
[null,"PERSONAL LINES PROPERTY and CASUALTY Products","Avg Prem. ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm"]
[null,"Personal Auto Premium Summary",{"$f":"'Personal Lines P&C'!B5","v":0},{"$f":"SUM('Personal Lines P&C'!C10:C11)","v":0},{"$f":"SUM('Personal Lines P&C'!D10:D11)","v":0},{"$f":"SUM('Personal Lines P&C'!E10:E11)","v":0},{"$f":"SUM('Personal Lines P&C'!F10:F11)","v":0},{"$f":"SUM('Personal Lines P&C'!G10:G11)","v":0},null,{"$f":"SUM(D7:H7)","v":0}]
[null,"Personal Auto Commission Summary",null,{"$f":"'Personal Lines P&C'!C12+'Personal Lines P&C'!C13","v":0},{"$f":"SUM('Personal Lines P&C'!D12:D13)","v":0},{"$f":"SUM('Personal Lines P&C'!E12:E13)","v":0},{"$f":"SUM('Personal Lines P&C'!F12:F13)","v":0},{"$f":"SUM('Personal Lines P&C'!G12:G13)","v":0},null,{"$f":"SUM(D8:H8)","v":0}]
[null,"Personal Home Premium Summary",{"$f":"'Personal Lines P&C'!B16","v":0},{"$f":"SUM('Personal Lines P&C'!C21:C22)","v":0},{"$f":"SUM('Personal Lines P&C'!D21:D22)","v":0},{"$f":"SUM('Personal Lines P&C'!E21:E22)","v":0},{"$f":"SUM('Personal Lines P&C'!F21:F22)","v":0},{"$f":"SUM('Personal Lines P&C'!G21:G22)","v":0},null,{"$f":"SUM(D9:H9)","v":0}]
[null,"Personal Home Commission Summary",null,{"$f":"SUM('Personal Lines P&C'!C23:C24)","v":0},{"$f":"SUM('Personal Lines P&C'!D23:D24)","v":0},{"$f":"SUM('Personal Lines P&C'!E23:E24)","v":0},{"$f":"SUM('Personal Lines P&C'!F23:F24)","v":0},{"$f":"SUM('Personal Lines P&C'!G23:G24)","v":0},null,0]
[null,"Personal Umbrella Premium Summary",{"$f":"'Personal Lines P&C'!B27","v":0},{"$f":"SUM('Personal Lines P&C'!C32:C33)","v":0},{"$f":"SUM('Personal Lines P&C'!D32:D33)","v":0},{"$f":"SUM('Personal Lines P&C'!E32:E33)","v":0},{"$f":"SUM('Personal Lines P&C'!F32:F33)","v":0},{"$f":"SUM('Personal Lines P&C'!G32:G33)","v":0},null,0]
[null,"Personal Umbrella Commission Summary",null,{"$f":"SUM('Personal Lines P&C'!C34:C35)","v":0},{"$f":"SUM('Personal Lines P&C'!D34:D35)","v":0},{"$f":"SUM('Personal Lines P&C'!E34:E35)","v":0},{"$f":"SUM('Personal Lines P&C'!F34:F35)","v":0},{"$f":"SUM('Personal Lines P&C'!G34:G35)","v":0},null,0]
[null,null,null,null,null,null,null,null,null,0]
[null,"Personal Lines Premium Summary",null,{"$f":"D7+D9+D11","v":0},{"$f":"E7+E9+E11","v":0},0,0,0,null,0]
[null,"Personal Lines Commission Summary",null,{"$f":"D8+D10+D12","v":0},{"$f":"E8+E10+E12","v":0},0,0,0,null,0]
[]
[null,"COMMERCIAL LINES PROPERTY and CASUALTY Products","Avg Prem. ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm"]
[null,"BOP Premium Summary",{"$f":"'Commercial Lines P&C'!B4","v":0},{"$f":"SUM('Commercial Lines P&C'!C9:C10)","v":0},{"$f":"SUM('Commercial Lines P&C'!D9:D10)","v":0},{"$f":"SUM('Commercial Lines P&C'!E9:E10)","v":0},{"$f":"SUM('Commercial Lines P&C'!F9:F10)","v":0},{"$f":"SUM('Commercial Lines P&C'!G9:G10)","v":0},null,{"$f":"SUM(D18:H18)","v":0}]
[null,"BOP Commission Summary",null,{"$f":"SUM('Commercial Lines P&C'!C11:C12)","v":0},{"$f":"SUM('Commercial Lines P&C'!D11:D12)","v":0},{"$f":"SUM('Commercial Lines P&C'!E11:E12)","v":0},{"$f":"SUM('Commercial Lines P&C'!F11:F12)","v":0},{"$f":"SUM('Commercial Lines P&C'!G11:G12)","v":0},null,0]
[null,"Business Auto Premium Summary",{"$f":"'Commercial Lines P&C'!B15","v":0},{"$f":"SUM('Commercial Lines P&C'!C20:C21)","v":0},{"$f":"SUM('Commercial Lines P&C'!D20:D21)","v":0},{"$f":"SUM('Commercial Lines P&C'!E20:E21)","v":0},{"$f":"SUM('Commercial Lines P&C'!F20:F21)","v":0},{"$f":"SUM('Commercial Lines P&C'!G20:G21)","v":0},null,0]
[null,"Business Auto Commission Summary",null,{"$f":"SUM('Commercial Lines P&C'!C22:C23)","v":0},{"$f":"SUM('Commercial Lines P&C'!D22:D23)","v":0},{"$f":"SUM('Commercial Lines P&C'!E22:E23)","v":0},{"$f":"SUM('Commercial Lines P&C'!F22:F23)","v":0},{"$f":"SUM('Commercial Lines P&C'!G22:G23)","v":0},null,0]
[null,"SFP Premium Summary",{"$f":"'Commercial Lines P&C'!B26","v":0},{"$f":"SUM('Commercial Lines P&C'!C31:C32)","v":0},{"$f":"SUM('Commercial Lines P&C'!D31:D32)","v":0},{"$f":"SUM('Commercial Lines P&C'!E31:E32)","v":0},{"$f":"SUM('Commercial Lines P&C'!F31:F32)","v":0},{"$f":"SUM('Commercial Lines P&C'!G31:G32)","v":0},null,0]
[null,"SFP Commission Summary",null,{"$f":"SUM('Commercial Lines P&C'!C33:C34)","v":0},{"$f":"SUM('Commercial Lines P&C'!D33:D34)","v":0},{"$f":"SUM('Commercial Lines P&C'!E33:E34)","v":0},{"$f":"SUM('Commercial Lines P&C'!F33:F34)","v":0},{"$f":"SUM('Commercial Lines P&C'!G33:G34)","v":0},null,0]
[null,"Workers Compensation Premium Summary",{"$f":"'Commercial Lines P&C'!B37","v":0},{"$f":"SUM('Commercial Lines P&C'!C42:C43)","v":0},{"$f":"SUM('Commercial Lines P&C'!D42:D43)","v":0},{"$f":"SUM('Commercial Lines P&C'!E42:E43)","v":0},{"$f":"SUM('Commercial Lines P&C'!F42:F43)","v":0},{"$f":"SUM('Commercial Lines P&C'!G42:G43)","v":0},null,0]
[null,"Workers Compensation Commission Summary",null,{"$f":"SUM('Commercial Lines P&C'!C44:C45)","v":0},{"$f":"SUM('Commercial Lines P&C'!D44:D45)","v":0},{"$f":"SUM('Commercial Lines P&C'!E44:E45)","v":0},{"$f":"SUM('Commercial Lines P&C'!F44:F45)","v":0},{"$f":"SUM('Commercial Lines P&C'!G44:G45)","v":0},null,0]
[null,"CPP Premium Summary",{"$f":"'Commercial Lines P&C'!B48","v":0},{"$f":"SUM('Commercial Lines P&C'!C53:C54)","v":0},{"$f":"SUM('Commercial Lines P&C'!D53:D54)","v":0},{"$f":"SUM('Commercial Lines P&C'!E53:E54)","v":0},{"$f":"SUM('Commercial Lines P&C'!F53:F54)","v":0},{"$f":"SUM('Commercial Lines P&C'!G53:G54)","v":0},null,0]
[null,"CPP Commission Summary",null,{"$f":"SUM('Commercial Lines P&C'!C55:C56)","v":0},{"$f":"SUM('Commercial Lines P&C'!D55:D56)","v":0},{"$f":"SUM('Commercial Lines P&C'!E55:E56)","v":0},{"$f":"SUM('Commercial Lines P&C'!F55:F56)","v":0},{"$f":"SUM('Commercial Lines P&C'!G55:G56)","v":0},null,0]
[null,"Comm/Farm Umbrella Premium Summary",{"$f":"'Commercial Lines P&C'!B59","v":0},{"$f":"SUM('Commercial Lines P&C'!C64:C65)","v":0},{"$f":"SUM('Commercial Lines P&C'!D64:D65)","v":0},{"$f":"SUM('Commercial Lines P&C'!E64:E65)","v":0},{"$f":"SUM('Commercial Lines P&C'!F64:F65)","v":0},{"$f":"SUM('Commercial Lines P&C'!G64:G65)","v":0},null,0]
[null,"Comm/Farm Umbrella Commission Summary",null,{"$f":"SUM('Commercial Lines P&C'!C66:C67)","v":0},{"$f":"SUM('Commercial Lines P&C'!D66:D67)","v":0},{"$f":"SUM('Commercial Lines P&C'!E66:E67)","v":0},{"$f":"SUM('Commercial Lines P&C'!F66:F67)","v":0},{"$f":"SUM('Commercial Lines P&C'!G66:G67)","v":0},null,0]
[]
[null,"Commercial Lines Premium Summary",null,{"$f":"D18+D20+D22+D24+D26+D28","v":0},{"$f":"E18+E20+E22+E24+E26+E28","v":0},0,0,0,null,{"$f":"SUM(D31:H31)","v":0}]
[null,"Commercial  Lines Commission Summary",null,{"$f":"D19+D21+D23+D25+D27+D29","v":0},{"$f":"E19+E21+E23+E25+E27+E29","v":0},0,0,0,null,0]
[]
[null,"Total PROPERTY and CASUALTY Premium",null,{"$f":"D14+D31","v":0},{"$f":"E14+E31","v":0},0,0,0,null,{"$f":"SUM(D34:H34)","v":0},null,null,{"$f":"J34/5","v":0}]
[null,"TOTAL PROPERTY and CASUALTY Est. Comp. Paid $",null,{"$f":"D15+D32","v":0},{"$f":"E15+E32","v":0},0,0,0,null,{"$f":"SUM(D35:H35)","v":0},null,null,{"$f":"J35/5","v":0}]
[]
[null,"LIFE INSURANCE Products","Avg Prem. ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm"]
[null,"Term Life - Avg Annualized Commissionable Prem Per Policy",0]
[null,"Avg # Term Life Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D39:H39)*12","v":0}]
[null,"1st Yr Commission % (as earned)",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,47,FALSE)","v":0.6},{"$f":"D40","v":0.6},{"$f":"D40","v":0.6},{"$f":"D40","v":0.6},{"$f":"D40","v":0.6},null,{"$f":"AVERAGE(D40:H40)","v":0.6}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,48,FALSE)","v":0},{"$f":"IF($D$41=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,48,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,49,FALSE),$D$41)","v":0},{"$f":"IF($D$41=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,48,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,50,FALSE),$D$41)","v":0},{"$f":"IF($D$41=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,48,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,51,FALSE),$D$41)","v":0},{"$f":"IF($D$41=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,48,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,51,FALSE),$D$41)","v":0},null,{"$f":"AVERAGE(D41:H41)","v":0}]
[null,"Avg 1st Year Annual Persistency",null,0.9,{"$f":"D42","v":0.9},{"$f":"D42","v":0.9},{"$f":"D42","v":0.9},{"$f":"D42","v":0.9},null,{"$f":"AVERAGE(D42:H42)","v":0.9}]
[null,"Avg Renewal Annual Persistency",null,0.95,{"$f":"D43","v":0.95},{"$f":"D43","v":0.95},{"$f":"D43","v":0.95},{"$f":"D43","v":0.95}]
[null,"Total 1st Year Premium Collected",null,{"$f":"$C38*D39*12*D42","v":0},{"$f":"$C38*E39*12*E42","v":0},{"$f":"$C38*F39*12*F42","v":0},{"$f":"$C38*G39*12*G42","v":0},{"$f":"$C38*H39*12*H42","v":0},null,{"$f":"SUM(D44:H44)","v":0}]
[null,"Total Renewal Premium Collected",null,null,{"$f":"D44*E43","v":0},{"$f":"(E44+E45)*F43","v":0},{"$f":"(F44+F45)*G43","v":0},{"$f":"(G44+G45)*H43","v":0},null,{"$f":"SUM(D45:H45)","v":0}]
[null,"Annual 1st Year Commission Paid $",null,{"$f":"D44*D40","v":0},{"$f":"E44*E40","v":0},{"$f":"F44*F40","v":0},{"$f":"G44*G40","v":0},{"$f":"H44*H40","v":0},null,{"$f":"SUM(D46:H46)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"E45*D41","v":0},{"$f":"E44*F43*D41+D44*E43*F43*E41","v":0},{"$f":"F44*G43*D41+E44*F43*G43*E41+D44*E43*F43*G43*F41","v":0},{"$f":"G44*H43*D41+F44*G43*H43*E41+E44*F43*G43*H43*F41+D44*E43*F43*G43*H43*G41","v":0},null,{"$f":"SUM(D47:H47)","v":0}]
[null,"TOTAL Term Life Est. Comp. Paid $",null,{"$f":"D47+D46","v":0},{"$f":"E47+E46","v":0},{"$f":"F47+F46","v":0},{"$f":"G47+G46","v":0},{"$f":"H47+H46","v":0},null,{"$f":"SUM(D48:H48)","v":0}]
[]
[null,"Universal Life - Avg Annual Commissionable Prem Per Policy",0]
[null,"Avg # Universal Life Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D51:H51)*12","v":0}]
[null,"1st Yr Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,52,FALSE)","v":0.6},{"$f":"D52","v":0.6},{"$f":"D52","v":0.6},{"$f":"D52","v":0.6},{"$f":"D52","v":0.6},null,{"$f":"AVERAGE(D52:H52)","v":0.6}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,53,FALSE)","v":2.4E-2},{"$f":"IF($D$53=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,53,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,54,FALSE),$D$53)","v":2.4E-2},{"$f":"IF($D$53=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,53,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,55,FALSE),$D$53)","v":2.4E-2},{"$f":"IF($D$53=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,53,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,56,FALSE),$D$53)","v":2.4E-2},{"$f":"IF($D$53=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,53,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,56,FALSE),$D$53)","v":2.4E-2},null,{"$f":"AVERAGE(E53:H53)","v":2.4E-2}]
[null,"Avg 1st Year Annual Persistency",null,0.87,{"$f":"D54","v":0.87},{"$f":"D54","v":0.87},{"$f":"D54","v":0.87},{"$f":"D54","v":0.87},null,{"$f":"AVERAGE(D54:H54)","v":0.86999999999999988}]
[null,"Avg Renewal Annual Persistency",null,0.95,{"$f":"D55","v":0.95},{"$f":"D55","v":0.95},{"$f":"D55","v":0.95},{"$f":"D55","v":0.95},null,{"$f":"AVERAGE(D55:H55)","v":0.95}]
[null,"Total 1st Year Premium Collected",null,{"$f":"$C50*D51*12*D54","v":0},{"$f":"$C50*E51*12*E54","v":0},{"$f":"$C50*F51*12*F54","v":0},{"$f":"$C50*G51*12*G54","v":0},{"$f":"$C50*H51*12*H54","v":0},null,{"$f":"SUM(D56:H56)","v":0}]
[null,"Total Renewal Premium Collected",null,null,{"$f":"D56*E55","v":0},{"$f":"(E56+E57)*F55","v":0},{"$f":"(F56+F57)*G55","v":0},{"$f":"(G56+G57)*H55","v":0},null,{"$f":"SUM(D57:H57)","v":0}]
[null,"Annual 1st Year Commission Paid $",null,{"$f":"D56*D52","v":0},{"$f":"E56*E52","v":0},{"$f":"F56*F52","v":0},{"$f":"G56*G52","v":0},{"$f":"H56*H52","v":0},null,{"$f":"SUM(D58:H58)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"E57*D53","v":0},{"$f":"E56*F55*D53+D56*E55*F55*E53","v":0},{"$f":"F56*G55*D53+E56*F55*G55*E53+D56*E55*F55*G55*F53","v":0},{"$f":"G56*H55*D53+F56*G55*H55*E53+E56*F55*G55*H55*F53+D56*E55*F55*G55*H55*G53","v":0},null,{"$f":"SUM(D59:H59)","v":0}]
[null,"TOTAL Universal Life Est. Comp. Paid $",null,{"$f":"D59+D58","v":0},{"$f":"E59+E58","v":0},{"$f":"F59+F58","v":0},{"$f":"G59+G58","v":0},{"$f":"H59+H58","v":0},null,{"$f":"SUM(D60:H60)","v":0},null,null,"Annual Avg."]
[]
[null,"Whole Life - Avg Annual Commissionable Prem Per Policy",0]
[null,"Avg # Whole Life Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D63:H63)*12","v":0}]
[null,"1st Yr Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,57,FALSE)","v":0.6},{"$f":"D64","v":0.6},{"$f":"D64","v":0.6},{"$f":"D64","v":0.6},{"$f":"D64","v":0.6},null,{"$f":"AVERAGE(D64:H64)","v":0.6}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,58,FALSE)","v":2.6000000000000002E-2},{"$f":"IF($D$65=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,58,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,59,FALSE),$D$65)","v":2.5999999999999999E-2},{"$f":"IF($D$65=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,58,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,60,FALSE),$D$65)","v":2.5999999999999999E-2},{"$f":"IF($D$65=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,58,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,61,FALSE),$D$65)","v":2.5999999999999999E-2},{"$f":"IF($D$65=HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,58,FALSE),HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$86,61,FALSE),$D$65)","v":2.5999999999999999E-2},null,{"$f":"AVERAGE(E65:H65)","v":2.5999999999999999E-2}]
[null,"Avg 1st Year Annual Persistency",null,0.87,{"$f":"D66","v":0.87},{"$f":"D66","v":0.87},{"$f":"D66","v":0.87},{"$f":"D66","v":0.87},null,{"$f":"AVERAGE(D66:H66)","v":0.86999999999999988}]
[null,"Avg Renewal Annual Persistency",null,0.95,{"$f":"D67","v":0.95},{"$f":"D67","v":0.95},{"$f":"D67","v":0.95},{"$f":"D67","v":0.95},null,{"$f":"AVERAGE(D67:H67)","v":0.95}]
[null,"Total 1st Year Premium Collected",null,{"$f":"$C62*D63*12*D66","v":0},{"$f":"$C62*E63*12*E66","v":0},{"$f":"$C62*F63*12*F66","v":0},{"$f":"$C62*G63*12*G66","v":0},{"$f":"$C62*H63*12*H66","v":0},null,{"$f":"SUM(D68:H68)","v":0}]
[null,"Total Renewal Premium Collected",null,null,{"$f":"D68*E67","v":0},{"$f":"(E68+E69)*F67","v":0},{"$f":"(F68+F69)*G67","v":0},{"$f":"(G68+G69)*H67","v":0},null,{"$f":"SUM(D69:H69)","v":0}]
[null,"Annual 1st Year Commission Paid $",null,{"$f":"D68*D64","v":0},{"$f":"E68*E64","v":0},{"$f":"F68*F64","v":0},{"$f":"G68*G64","v":0},{"$f":"H68*H64","v":0},null,{"$f":"SUM(D70:H70)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"E69*D65","v":0},{"$f":"E68*F67*D65+D68*E67*F67*E65","v":0},{"$f":"F68*G67*D65+E68*F67*G67*E65+D68*E67*F67*G67*F65","v":0},{"$f":"G68*H67*D65+F68*G67*H67*E65+E68*F67*G67*H67*F65+D68*E67*F67*G67*H67*G65","v":0},null,{"$f":"SUM(D71:H71)","v":0}]
[null,"TOTAL Whole Life Est. Comp. Paid $",null,{"$f":"D71+D70","v":0},{"$f":"E71+E70","v":0},{"$f":"F71+F70","v":0},{"$f":"G71+G70","v":0},{"$f":"H71+H70","v":0},null,{"$f":"SUM(D72:H72)","v":0}]
[]
[null,"Total LIFE Premium Collected",null,{"$f":"D44+D45+D56+D57+D68+D69","v":0},{"$f":"E44+E45+E56+E57+E68+E69","v":0},0,0,0,null,{"$f":"SUM(D74:H74)","v":0},null,null,{"$f":"J74/5","v":0}]
[null,"TOTAL LIFE Products Comp. Est. Paid $",null,{"$f":"D60+D48+D72","v":0},{"$f":"E60+E48+E72","v":0},0,0,0,null,{"$f":"SUM(D75:H75)","v":0},null,null,{"$f":"J75/5","v":0}]
[]
[null,"ANNUITIES","Avg Value ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm"]
[null,"Fixed Annuities (Q or NQ) - Avg Value Per Annuity",0]
[null,"Average # Fixed Annuities Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D79:H79)*12","v":0}]
[null,"1st Yr Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,62,FALSE)","v":0.05},{"$f":"D80","v":0.05},{"$f":"D80","v":0.05},{"$f":"D80","v":0.05},{"$f":"D80","v":0.05},null,{"$f":"AVERAGE(D80:H80)","v":0.05}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,63,FALSE)","v":0},{"$f":"D81","v":0},{"$f":"D81","v":0},{"$f":"D81","v":0},{"$f":"D81","v":0},null,{"$f":"AVERAGE(E81:H81)","v":0}]
[null,"Avg Annual Persistency",null,0.99,{"$f":"D82","v":0.99},{"$f":"D82","v":0.99},{"$f":"D82","v":0.99},{"$f":"D82","v":0.99},null,{"$f":"AVERAGE(D82:H82)","v":0.99}]
[null,"Total Premium",null,{"$f":"$C78*D79*12","v":0},{"$f":"$C78*E79*12","v":0},{"$f":"$C78*F79*12","v":0},{"$f":"$C78*G79*12","v":0},{"$f":"$C78*H79*12","v":0},null,{"$f":"SUM(D83:H83)","v":0}]
[null,"Annual Commission Paid $ (after persistency adjustment)",null,{"$f":"D83*D80*D82","v":0},{"$f":"E83*E80*E82","v":0},{"$f":"F83*F80*F82","v":0},{"$f":"G83*G80*G82","v":0},{"$f":"H83*H80*H82","v":0},null,{"$f":"SUM(D84:H84)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"D83*D82*E81","v":0},{"$f":"(D83*D82+E83)*E82*F81","v":0},{"$f":"(((D83*D82+E83)*E82)+F83)*F82*G81","v":0},{"$f":"((((((D83*D82+E83)*E82)+F83)*F82)+G83)*G82)*H81","v":0},null,{"$f":"SUM(D85:H85)","v":0}]
[null,"TOTAL Fixed Annuity Est. Comp. Paid $",null,{"$f":"D85+D84","v":0},{"$f":"E85+E84","v":0},{"$f":"F85+F84","v":0},{"$f":"G85+G84","v":0},{"$f":"H85+H84","v":0},null,{"$f":"SUM(D86:H86)","v":0}]
[]
[null,"Pensions (small business pensions) - Avg Value Per Pension",0]
[null,"Average # Pensions Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D89:H89)*12","v":0}]
[null,"1st Yr Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,67,FALSE)","v":4.1500000000000002E-2},{"$f":"D90","v":4.1500000000000002E-2},{"$f":"D90","v":4.1500000000000002E-2},{"$f":"D90","v":4.1500000000000002E-2},{"$f":"D90","v":4.1500000000000002E-2},null,{"$f":"AVERAGE(D90:H90)","v":4.1500000000000002E-2}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,68,FALSE)","v":4.1500000000000002E-2},{"$f":"D91","v":4.1500000000000002E-2},{"$f":"D91","v":4.1500000000000002E-2},{"$f":"D91","v":4.1500000000000002E-2},{"$f":"D91","v":4.1500000000000002E-2},null,{"$f":"AVERAGE(D91:H91)","v":4.1500000000000002E-2}]
[null,"Avg 1st Year Annual Persistency",null,0.99,{"$f":"D92","v":0.99},{"$f":"D92","v":0.99},{"$f":"D92","v":0.99},{"$f":"D92","v":0.99},null,{"$f":"AVERAGE(D92:H92)","v":0.99}]
[null,"Avg Renewal Annual Persistency",null,0.99,{"$f":"D93","v":0.99},{"$f":"D93","v":0.99},{"$f":"D93","v":0.99},{"$f":"D93","v":0.99},null,{"$f":"AVERAGE(D93:H93)","v":0.99}]
[null,"Total 1st Year Premium Collected",null,{"$f":"$C88*D89*12*D92","v":0},{"$f":"$C88*E89*12*E92","v":0},{"$f":"$C88*F89*12*F92","v":0},{"$f":"$C88*G89*12*G92","v":0},{"$f":"$C88*H89*12*H92","v":0},null,{"$f":"SUM(D94:H94)","v":0}]
[null,"Total Renewal Premium Collected",null,null,{"$f":"D94*E93","v":0},{"$f":"(E94+E95)*F93","v":0},{"$f":"(F94+F95)*G93","v":0},{"$f":"(G94+G95)*H93","v":0},null,{"$f":"SUM(D95:H95)","v":0}]
[null,"Annual Commission Paid $",null,{"$f":"D94*D90","v":0},{"$f":"E94*E90","v":0},{"$f":"F94*F90","v":0},{"$f":"G94*G90","v":0},{"$f":"H94*H90","v":0},null,{"$f":"SUM(D96:H96)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"E95*D91","v":0},{"$f":"E94*F93*D91+D94*E93*F93*E91","v":0},{"$f":"F94*G93*D91+E94*F93*G93*E91+D94*E93*F93*G93*F91","v":0},{"$f":"G94*H93*D91+F94*G93*H93*E91+E94*F93*G93*H93*F91+D94*E93*F93*G93*H93*G91","v":0},null,{"$f":"SUM(D97:H97)","v":0}]
[null,"TOTAL Pension Est. Comp. Paid $",null,{"$f":"D97+D96","v":0},{"$f":"E97+E96","v":0},{"$f":"F97+F96","v":0},{"$f":"G97+G96","v":0},{"$f":"H97+H96","v":0},null,{"$f":"SUM(D98:H98)","v":0},null,null,"Annual Avg."]
[]
[null,"Total ANNUITIES and PENSIONS Premium",null,{"$f":"D83+D94+D95","v":0},{"$f":"E83+E94+E95","v":0},{"$f":"F83+F94+F95","v":0},{"$f":"G83+G94+G95","v":0},{"$f":"H83+H94+H95","v":0},null,{"$f":"SUM(D100:H100)","v":0},null,null,{"$f":"J100/5","v":0}]
[null,"TOTAL ANNUITIES and PENSIONS Est. Comp. Paid $",null,{"$f":"D86+D98","v":0},{"$f":"E86+E98","v":0},{"$f":"F86+F98","v":0},{"$f":"G86+G98","v":0},{"$f":"H86+H98","v":0},null,{"$f":"SUM(D101:H101)","v":0},null,null,{"$f":"J101/5","v":0}]
[]
[null,"(continued on Page -2-)"]
[null,null,null,null,null,null,null,null,null,"Page -2 of 2-"]
[null,"Disability, LTC, Health","Avg Value ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm"]
[null,"Disability - Avg Annual Premium Per Policy",0]
[null,"Average # Disability Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D107:H107)*12","v":0}]
[null,"1st Yr Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,72,FALSE)","v":0.5},{"$f":"D108","v":0.5},{"$f":"D108","v":0.5},{"$f":"D108","v":0.5},{"$f":"D108","v":0.5},null,{"$f":"AVERAGE(D108:H108)","v":0.5}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,73,FALSE)","v":0.1},{"$f":"D109","v":0.1},{"$f":"D109","v":0.1},{"$f":"D109","v":0.1},{"$f":"D109","v":0.1},null,{"$f":"AVERAGE(D109:H109)","v":0.1}]
[null,"Avg 1st Year Annual Persistency",null,0.9,{"$f":"D110","v":0.9},{"$f":"D110","v":0.9},{"$f":"D110","v":0.9},{"$f":"D110","v":0.9},null,{"$f":"AVERAGE(D110:H110)","v":0.9}]
[null,"Avg Renewal Annual Persistency",null,0.9,{"$f":"D111","v":0.9},{"$f":"D111","v":0.9},{"$f":"D111","v":0.9},{"$f":"D111","v":0.9},null,{"$f":"AVERAGE(D111:H111)","v":0.9}]
[null,"Total 1st Year Premium Collected",null,{"$f":"$C106*D107*12*D110","v":0},{"$f":"$C106*E107*12*E110","v":0},{"$f":"$C106*F107*12*F110","v":0},{"$f":"$C106*G107*12*G110","v":0},{"$f":"$C106*H107*12*H110","v":0},null,{"$f":"SUM(D112:H112)","v":0}]
[null,"Total Renewal Premium Collected",null,null,{"$f":"D112*E111","v":0},{"$f":"(E112+E113)*F111","v":0},{"$f":"(F112+F113)*G111","v":0},{"$f":"(G112+G113)*H111","v":0},null,{"$f":"SUM(D113:H113)","v":0}]
[null,"Annual Commission Paid $",null,{"$f":"D112*D108","v":0},{"$f":"E112*E108","v":0},{"$f":"F112*F108","v":0},{"$f":"G112*G108","v":0},{"$f":"H112*H108","v":0},null,{"$f":"SUM(D114:H114)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"E113*D109","v":0},{"$f":"E112*F111*D109+D112*E111*F111*E109","v":0},{"$f":"F112*G111*D109+E112*F111*G111*E109+D112*E111*F111*G111*F109","v":0},{"$f":"G112*H111*D109+F112*G111*H111*E109+E112*F111*G111*H111*F109+D112*E111*F111*G111*H111*G109","v":0},null,{"$f":"SUM(D115:H115)","v":0}]
[null,"TOTAL Disability Est. Comp. Paid $",null,{"$f":"D115+D114","v":0},{"$f":"E115+E114","v":0},{"$f":"F115+F114","v":0},{"$f":"G115+G114","v":0},{"$f":"H115+H114","v":0},null,{"$f":"SUM(D116:H116)","v":0}]
[]
[null,"Long Term Care - Avg Premium Per Policy",0]
[null,"Average # LTC Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D119:H119)*12","v":0}]
[null,"1st Yr Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,77,FALSE)","v":0.65},{"$f":"D120","v":0.65},{"$f":"D120","v":0.65},{"$f":"D120","v":0.65},{"$f":"D120","v":0.65},null,{"$f":"AVERAGE(D120:H120)","v":0.65}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,78,FALSE)","v":0.08},{"$f":"D121","v":0.08},{"$f":"D121","v":0.08},{"$f":"D121","v":0.08},{"$f":"D121","v":0.08},null,{"$f":"AVERAGE(D121:H121)","v":0.08}]
[null,"Avg 1st Year Annual Persistency",null,0.9,{"$f":"D122","v":0.9},{"$f":"D122","v":0.9},{"$f":"D122","v":0.9},{"$f":"D122","v":0.9},null,{"$f":"AVERAGE(D122:H122)","v":0.9}]
[null,"Avg Renewal Annual Persistency",null,0.9,{"$f":"D123","v":0.9},{"$f":"D123","v":0.9},{"$f":"D123","v":0.9},{"$f":"D123","v":0.9},null,{"$f":"AVERAGE(D123:H123)","v":0.9}]
[null,"Total 1st Year Premium Collected",null,{"$f":"$C118*D119*12*D122","v":0},{"$f":"$C118*E119*12*E122","v":0},{"$f":"$C118*F119*12*F122","v":0},{"$f":"$C118*G119*12*G122","v":0},{"$f":"$C118*H119*12*H122","v":0},null,{"$f":"SUM(D124:H124)","v":0}]
[null,"Total Renewal Premium Collected",null,null,{"$f":"D124*E123","v":0},{"$f":"(E124+E125)*F123","v":0},{"$f":"(F124+F125)*G123","v":0},{"$f":"(G124+G125)*H123","v":0},null,{"$f":"SUM(D125:H125)","v":0}]
[null,"Annual Commission Paid $",null,{"$f":"D124*D120","v":0},{"$f":"E124*E120","v":0},{"$f":"F124*F120","v":0},{"$f":"G124*G120","v":0},{"$f":"H124*H120","v":0},null,{"$f":"SUM(D126:H126)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"E125*D121","v":0},{"$f":"E124*F123*D121+D124*E123*F123*E121","v":0},{"$f":"F124*G123*D121+E124*F123*G123*E121+D124*E123*F123*G123*F121","v":0},{"$f":"G124*H123*D121+F124*G123*H123*E121+E124*F123*G123*H123*F121+D124*E123*F123*G123*H123*G121","v":0},null,{"$f":"SUM(D127:H127)","v":0}]
[null,"TOTAL LTC Est. Comp. Paid $",null,{"$f":"D127+D126","v":0},{"$f":"E127+E126","v":0},{"$f":"F127+F126","v":0},{"$f":"G127+G126","v":0},{"$f":"H127+H126","v":0},null,{"$f":"SUM(D128:H128)","v":0}]
[]
[null,"Health Insurance - Avg Premium Per Policy",0]
[null,"Average # Health Ins Policies Per Month",null,0,0,0,0,0,null,{"$f":"SUM(D131:H131)*12","v":0}]
[null,"1st Yr Commission %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,82,FALSE)","v":0.09},{"$f":"D132","v":0.09},{"$f":"D132","v":0.09},{"$f":"D132","v":0.09},{"$f":"D132","v":0.09},null,{"$f":"AVERAGE(D132:H132)","v":0.09}]
[null,"Renewal Commission Paid %",null,{"$f":"HLOOKUP(AgentType,'AAA-AAP Variables'!$P$1:$Q$83,83,FALSE)","v":0.04},{"$f":"D133","v":0.04},{"$f":"D133","v":0.04},{"$f":"D133","v":0.04},{"$f":"D133","v":0.04},null,{"$f":"AVERAGE(D133:H133)","v":0.04}]
[null,"Avg 1st Year Annual Persistency",null,0.9,{"$f":"D134","v":0.9},{"$f":"D134","v":0.9},{"$f":"D134","v":0.9},{"$f":"D134","v":0.9},null,{"$f":"AVERAGE(D134:H134)","v":0.9}]
[null,"Avg Renewal Annual Persistency",null,0.9,{"$f":"D135","v":0.9},{"$f":"D135","v":0.9},{"$f":"D135","v":0.9},{"$f":"D135","v":0.9},null,{"$f":"AVERAGE(D135:H135)","v":0.9}]
[null,"Total 1st Year Premium Collected",null,{"$f":"$C130*D131*12*D134","v":0},{"$f":"$C130*E131*12*E134","v":0},{"$f":"$C130*F131*12*F134","v":0},{"$f":"$C130*G131*12*G134","v":0},{"$f":"$C130*H131*12*H134","v":0},null,{"$f":"SUM(D136:H136)","v":0}]
[null,"Total Renewal Premium Collected",null,null,{"$f":"D136*E135","v":0},{"$f":"(E136+E137)*F135","v":0},{"$f":"(F136+F137)*G135","v":0},{"$f":"(G136+G137)*H135","v":0},null,{"$f":"SUM(D137:H137)","v":0}]
[null,"Annual Commission Paid $",null,{"$f":"D136*D132","v":0},{"$f":"E136*E132","v":0},{"$f":"F136*F132","v":0},{"$f":"G136*G132","v":0},{"$f":"H136*H132","v":0},null,{"$f":"SUM(D138:H138)","v":0}]
[null,"Renewal Commission Paid $",null,0,{"$f":"E137*D133","v":0},{"$f":"E136*F135*D133+D136*E135*F135*E133","v":0},{"$f":"F136*G135*D133+E136*F135*G135*E133+D136*E135*F135*G135*F133","v":0},{"$f":"G136*H135*D133+F136*G135*H135*E133+E136*F135*G135*H135*F133+D136*E135*F135*G135*H135*G133","v":0},null,{"$f":"SUM(D139:H139)","v":0}]
[null,"TOTAL Health Ins. Est. Comp. Paid $",null,{"$f":"D139+D138","v":0},{"$f":"E139+E138","v":0},{"$f":"F139+F138","v":0},{"$f":"G139+G138","v":0},{"$f":"H139+H138","v":0},null,{"$f":"SUM(D140:H140)","v":0},null,null,"Annual Avg."]
[]
[null,"Total Dis, LTC, Health Premium",null,{"$f":"D112+D113+D124+D125+D136+D137","v":0},{"$f":"E112+E113+E124+E125+E136+E137","v":0},{"$f":"F112+F113+F124+F125+F136+F137","v":0},{"$f":"G112+G113+G124+G125+G136+G137","v":0},{"$f":"H112+H113+H124+H125+H136+H137","v":0},null,{"$f":"SUM(D142:H142)","v":0},null,null,{"$f":"J142/5","v":0}]
[null,"TOTAL Dis, LTC, Health Est. Comp. Paid $",null,{"$f":"D140+D128+D116","v":0},{"$f":"E140+E128+E116","v":0},{"$f":"F140+F128+F116","v":0},{"$f":"G140+G128+G116","v":0},{"$f":"H140+H128+H116","v":0},null,{"$f":"SUM(D143:H143)","v":0},null,null,{"$f":"J143/5","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Annual Avg."]
[null,"TOTAL EST. COMPENSATION - ALL PRODUCTS",null,{"$f":"D143+D101+D75+D35","v":0},{"$f":"E143+E101+E75+E35","v":0},{"$f":"F143+F101+F75+F35","v":0},{"$f":"G143+G101+G75+G35","v":0},{"$f":"H143+H101+H75+H35","v":0},null,{"$f":"SUM(D146:H146)","v":0},null,null,{"$f":"J146/5","v":0}]
[]
[]
[null,"ALL AMOUNTS SHOWN ARE ESTIMATES AND NOT GUARANTEED BY COMPANY"]
[null,"DISCLAIMER: By entering my name to the right, I acknowledge that the figures projected in this spreadsheet are estimates only and not guarantees of income.",null,null,"Mr. /Mrs. Agent",null,null,null,null,"16JUL18/mlm/wch"]
[]
[null,"INPUT CELLS = LIGHT YELLOW",null,null,null,null,null,"PROPRIETARY MATERIAL \nNOT FOR DISTRIBUTION"]
[]
[]
[]
[null,"INSTRUCTIONS FOR INCOME GENERATOR CALCULATOR USE"]
[null,"1- Use the light yellow cells as input cells. The remainder of the worksheet is protected so that the formulas are protected. "]
[null,"2- Save a second generic copy of the program so that if the formulas are corrupted you will always have a clean copy."]
[null,"4- Input average premium for each policy or unit (as applicable by product) in the highlighted cells of column \"C\"."]
[null,"5- Input average policies or units per month and commission percentage assumptions (as applicable by product) in the highlighted cells of columns \"D\", \"E\", \"F\", \"G\", and \"H\" (years 1 through 5) for each product type (one line per product type)."]
[null,"     - Using partial numbers is ok - i.e. 1/2 policy per month would be entered as \".5\"; 1 and 1/2 policies per month would be entered as \"1.5\", etc."]
[null,"6- The Income Generator worksheet provides for some attrition on the lines titled \"Average Annual Persistency\".  Input persistency assumptions in the yellow highlighted cells next to these titles.. "]
[null,"7- As figures are input into each of the sections for each of the products, the calculator automatically projects total premium production and total compensation earned."]
[null,"8- This Income Generator worksheet is for illustration purposes only to project potential income based on hypothetical production projections with average per policy/unit premium estimates."]
[null,"     - This tool is provided only to help prospective agents see the income potential as they project their personal production in the various product areas available."]

{"sheet":"5 Year Summary","index":3,"n_rows":25,"n_cols":12,"rows_kept":25,"cut":false,"hidden":false,"merged":[[24,1,24,3],[24,4,24,6],[3,3,3,11],[1,9,1,11],[10,2,11,2],[12,2,13,2],[19,1,19,9],[21,1,22,1],[21,4,22,6],[1,1,1,5],[6,2,7,2],[8,2,9,2]]}
[]
[null,"Agency Plan",null,null,null,null,null,"Candidate",null,{"$f":"'Income Generator'!$H$2","v":"Mr./ Mrs. Agent"}]
[null,{"$f":"'Income Generator'!B3","v":"NAME OF CANDIDATE"},null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2018-08-30"}]
[null,"Product Type","Per Policy","New and Renewal Premiums and Commissions"]
[]
[null,null,"Avg Prem. ea.","Year 1","Year 2","Year 3","Year 4","Year 5",null,"5 Year Cumm",null,"Annual Average"]
[null,{"$f":"'Income Generator'!B34:C34","v":"Total PROPERTY and CASUALTY Premium"},{"$f":"AVERAGE('Income Generator'!C7,'Income Generator'!C9,'Income Generator'!C11,'Income Generator'!C18,'Income Generator'!C20,'Income Generator'!C22,'Income Generator'!C24,'Income Generator'!C26,'Income Generator'!C28)","v":0},{"$f":"'Income Generator'!D34:E34","v":0},{"$f":"'Income Generator'!E34:F34","v":0},{"$f":"'Income Generator'!F34:G34","v":0},{"$f":"'Income Generator'!G34:H34","v":0},{"$f":"'Income Generator'!H34:I34","v":0},{"$f":"'Income Generator'!I34:J34","v":0},{"$f":"'Income Generator'!J34","v":0},null,{"$f":"J7/5","v":0}]
[null,{"$f":"'Income Generator'!B35:C35","v":"TOTAL PROPERTY and CASUALTY Est. Comp. Paid $"},null,{"$f":"'Income Generator'!D35:E35","v":0},{"$f":"'Income Generator'!E35:F35","v":0},{"$f":"'Income Generator'!F35:G35","v":0},{"$f":"'Income Generator'!G35:H35","v":0},{"$f":"'Income Generator'!H35:I35","v":0},{"$f":"'Income Generator'!I35:J35","v":0},{"$f":"'Income Generator'!J35","v":0},null,0]
[null,{"$f":"'Income Generator'!B74:C74","v":"Total LIFE Premium Collected"},{"$f":"AVERAGE('Income Generator'!C38,'Income Generator'!C50,'Income Generator'!C62)","v":0},{"$f":"'Income Generator'!D74","v":0},{"$f":"'Income Generator'!E74","v":0},{"$f":"'Income Generator'!F74","v":0},{"$f":"'Income Generator'!G74","v":0},{"$f":"'Income Generator'!H74","v":0},{"$f":"'Income Generator'!I74:J74","v":0},{"$f":"'Income Generator'!J74","v":0},null,0]
[null,{"$f":"'Income Generator'!B75:C75","v":"TOTAL LIFE Products Comp. Est. Paid $"},null,{"$f":"'Income Generator'!D75","v":0},{"$f":"'Income Generator'!E75","v":0},{"$f":"'Income Generator'!F75","v":0},{"$f":"'Income Generator'!G75","v":0},{"$f":"'Income Generator'!H75","v":0},{"$f":"'Income Generator'!I75:J75","v":0},{"$f":"'Income Generator'!J75","v":0},null,0]
[null,{"$f":"'Income Generator'!B100:C100","v":"Total ANNUITIES and PENSIONS Premium"},{"$f":"AVERAGE('Income Generator'!C78,'Income Generator'!C88)","v":0},{"$f":"'Income Generator'!D100:E100","v":0},{"$f":"'Income Generator'!E100:F100","v":0},{"$f":"'Income Generator'!F100:G100","v":0},{"$f":"'Income Generator'!G100:H100","v":0},{"$f":"'Income Generator'!H100:I100","v":0},{"$f":"'Income Generator'!I100:J100","v":0},{"$f":"'Income Generator'!J100","v":0},null,0]
[null,{"$f":"'Income Generator'!B101:C101","v":"TOTAL ANNUITIES and PENSIONS Est. Comp. Paid $"},null,{"$f":"'Income Generator'!D101:E101","v":0},{"$f":"'Income Generator'!E101:F101","v":0},{"$f":"'Income Generator'!F101:G101","v":0},{"$f":"'Income Generator'!G101:H101","v":0},{"$f":"'Income Generator'!H101:I101","v":0},{"$f":"'Income Generator'!I101:J101","v":0},{"$f":"'Income Generator'!J101","v":0},null,0]
[null,{"$f":"'Income Generator'!B142:C142","v":"Total Dis, LTC, Health Premium"},{"$f":"AVERAGE('Income Generator'!C106,'Income Generator'!C118,'Income Generator'!C130)","v":0},{"$f":"'Income Generator'!D142:E142","v":0},{"$f":"'Income Generator'!E142:F142","v":0},{"$f":"'Income Generator'!F142:G142","v":0},{"$f":"'Income Generator'!G142:H142","v":0},{"$f":"'Income Generator'!H142:I142","v":0},{"$f":"'Income Generator'!I142:J142","v":0},{"$f":"'Income Generator'!J142","v":0},null,0]
[null,{"$f":"'Income Generator'!B143:C143","v":"TOTAL Dis, LTC, Health Est. Comp. Paid $"},null,{"$f":"'Income Generator'!D143:E143","v":0},{"$f":"'Income Generator'!E143:F143","v":0},{"$f":"'Income Generator'!F143:G143","v":0},{"$f":"'Income Generator'!G143:H143","v":0},{"$f":"'Income Generator'!H143:I143","v":0},{"$f":"'Income Generator'!I143:J143","v":0},{"$f":"'Income Generator'!J143","v":0},null,0]
[]
[null,{"$f":"'Income Generator'!B146:C146","v":"TOTAL EST. COMPENSATION - ALL PRODUCTS"},null,{"$f":"'Income Generator'!D146:E146","v":0},{"$f":"'Income Generator'!E146:F146","v":0},{"$f":"'Income Generator'!F146:G146","v":0},{"$f":"'Income Generator'!G146:H146","v":0},{"$f":"'Income Generator'!H146:I146","v":0},{"$f":"'Income Generator'!I146:J146","v":0},{"$f":"'Income Generator'!J146","v":0},null,{"$f":"J16/5","v":0}]
[]
[null,null,null,null,null,null,null,null,null,{"$f":"'Income Generator'!J150","v":"16JUL18/mlm/wch"}]
[]
[null,"ALL AMOUNTS SHOWN ARE ESTIMATES AND NOT GUARANTEED BY COMPANY"]
[]
[null,"INPUT CELLS",null,null,"PROPRIETARY MATERIAL \nNOT FOR DISTRIBUTION"]
[]
[]
[null,"DISCLAIMER: By entering my name to the right, I acknowledge that the figures projected in this spreadsheet are estimates only and not guarantees of income.",null,null,{"$f":"'Income Generator'!E150:G150","v":"Mr. /Mrs. Agent"}]

{"sheet":"Agent Expense Budget","index":4,"n_rows":85,"n_cols":17,"rows_kept":85,"cut":false,"hidden":false,"merged":[[1,1,1,15],[2,3,2,5],[78,3,78,14],[82,14,82,15],[79,1,79,2],[80,1,80,2]]}
[]
[null,"AGENT EXPENSE BUDGET WORKSHEET"]
[null,"                                    Candidate",{"$f":"'Income Generator'!$H$2","v":"Mr./ Mrs. Agent"},null,null,null,null,null,null,null,null,null,null,null,"Updated:",{"$f":"TODAY()","v":"2018-08-30"}]
[null,"Start Up Expenses","Description","Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec","Total"]
[]
[null,"Office  furniture and equip. ($3,000)","office desk, copy/fax, computer, phone, etc.",0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D6:O6)","v":0}]
[null,"Furn. and equip for PT team member","expense incurred in the 6th month",0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D7:O7)","v":0}]
[null,"Rent deposit","most offices require first months rent",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Signage not covered by company","window and vehicle labeling, excess sign exp., etc.",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Bus. License  and permits","state and local",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Bus. Insurance policy","BOP policy",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Sub-Total",null,{"$f":"SUM(D6:D16)","v":0},0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D17:O17)","v":0}]
[]
[null,"Monthly Office Expenses","Description","Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec","Total"]
[null,"Rent",null,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D20:O20)","v":0}]
[null,"Postage",null,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D21:O21)","v":0}]
[null,"Accountant",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Dues",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"NAIFA membership dues","our advocate in the industry",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Seminar expenses","travel expenses spread over 12 months",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Automobile expense (agent daily bus. travel)",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"EandO insurance",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Bus. Insurance policy",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Gross Salary for part time team member","20/hours/week starting in 6th month $11/h",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Workers Comp. Ins.",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Continuing education",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Business Meals","client meals and networking",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Office Supplies",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Utilities",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Internet and phones",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Agent medical expense",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Marketing and promotions",null,0,0,0,0,0,0,0,0,0,0,0,0,0," "]
[null,"Taxes (estimated)","Fed, State, FICA, SS, Medicare",0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D39:O39)","v":0}]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Sub-Total",null,{"$f":"SUM(D20:D45)","v":0},{"$f":"SUM(E20:E45)","v":0},{"$f":"SUM(F20:F45)","v":0},0,0,0,0,0,0,0,0,0,{"$f":"SUM(D46:O46)","v":0}]
[]
[null,"Personal Expenses","Description","Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec","Total"]
[null,"Mortgage / Rent",null,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D49:O49)","v":0}]
[null,"Utilities",null,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D50:O50)","v":0}]
[null,"Home Insurance",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Food",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Entertainment",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Cable/Internet/Phone (home)",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Non Business Cell Phones",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Car Payments",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Car Insurance",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Savings/Investments",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Credit Cards",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Personal Loans",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Laundry",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Clothing",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Sub-Total",null,{"$f":"SUM(D49:D70)","v":0},0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Agent Total Budget",null,{"$f":"SUM(D46,D17,D71)","v":0},{"$f":"SUM(E46,E17,E71)","v":0},0,0,0,0,0,0,0,0,0,0,0]
[null,"Financing Amount",null,{"$f":"IF(AgentType=\"AAP\",'AAP Calculator'!E13,#REF!)","v":{"$error":"#REF!"}},{"$f":"$D73","v":{"$error":"#REF!"}},{"$f":"$D73","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$f":"SUM(D73:O73)","v":{"$error":"#REF!"}}]
[null,"Spousal Income",null,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(D74:O74)","v":0}]
[null,"Pensions",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Other Income",null,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Profit or Loss After Expenses and Projected Income",null,{"$f":"D73+D74+D75+D76-D72","v":{"$error":"#REF!"}},{"$f":"E73+E74+E75+E76-E72","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$f":"SUM(D77:O77)","v":{"$error":"#REF!"}}]
[]
[null,null,null,"Amount of Capital Resources allocated each month"]
[null,"Additional Capital Resources Needed",null,{"$f":"IF(D77<0,ABS(D77),0)","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$f":"SUM(D80:O80)","v":{"$error":"#REF!"}}]
[null,"Net Cash Flow",null,{"$f":"D77+D80","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$f":"SUM(D81:O81)","v":{"$error":"#REF!"}}]
[]
[null,"Initial Balance of Capital Resources",{"$f":"'Capital Resources'!F19","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Income Generator'!J150","v":"16JUL18/mlm/wch"}]
[]
[null,"Balance of Capital Resources \nafter 12 months",{"$f":"C83-P80","v":{"$error":"#REF!"}}]

{"sheet":"Capital Resources","index":5,"n_rows":28,"n_cols":8,"rows_kept":28,"cut":false,"hidden":false,"merged":[[1,7,1,8],[3,5,3,7],[21,4,21,8],[23,4,23,8],[27,7,27,8],[25,4,25,8],[7,2,7,4],[5,1,5,8]]}
[]
[null,"Additional Capital Resources",null,null,null,null,null,{"$f":"TODAY()","v":"2018-08-30"}]
[]
[null,null,null,null,"Candidate",{"$f":"'Income Generator'!$H$2","v":"Mr./ Mrs. Agent"}]
[]
[null,"In order to be successful as an independent contractor/agent you will need to  have sufficient resources to meet both your business expenses and your personal expenses.  Your anticipated business and personal expenses will likely result in a negative cash flow during the early years of operating an agency.  Below are lists of potential sources of capital that you may wish to explore."]
[]
[null,null,"Potential Sources of Capital",null,null,"$ Amount"]
[]
[null,null,"1-",null,"Personal Savings",0]
[null,null,"2-",null,"Loans from Family Member",0]
[null,null,"3-",null,"Personal Loans",0]
[null,null,"4-",null,"Anticipated Tax Return(s)",0]
[null,null,"5-",null,"Investments",0]
[null,null,"6-",null,"Other *\n(e.g. Small Business Association Loans, Family Gifts, etc.)",0]
[null,null,"7-",null,"Other *",0]
[null,null,"8-",null,"Other *",0]
[]
[null,null,null,null,"TOTAL",{"$f":"SUM(F10:F17)","v":0}]
[]
[null,null,null,null,"* Describe other:"]
[]
[null,null,null,null,"Notes:"]
[]
[]
[null,null,null,null,"Visit www.sba.gov for details and apply through you local financial institution"]
[]
[null,null,null,null,null,null,null,{"$f":"'Income Generator'!J150","v":"16JUL18/mlm/wch"}]

{"sheet":"Leads-Prospects Template","index":6,"n_rows":24,"n_cols":13,"rows_kept":24,"cut":false,"hidden":false,"merged":[[23,4,23,10],[24,4,24,10],[25,4,25,10],[26,4,26,10],[0,2,0,8],[2,2,3,2],[2,10,3,10],[21,9,21,10],[1,7,1,8],[0,10,0,12],[1,9,1,11],[27,4,27,10],[28,4,28,10],[29,4,29,10],[30,4,30,10],[31,4,31,10]]}
[null,null,"Annual Leads/Prospects Template ",null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2018-08-30"}]
[null,null,null,null,null,null,null,"                       Candidate",null,{"$f":"'Income Generator'!H2","v":"Mr./ Mrs. Agent"}]
[null,null,"SOURCE","P/L","Life","Ag/Comm","Health","SM&R","Other","Other","TOTAL",null,"Monthly"]
[null,null,null,"Leads","Leads","Leads","Leads","Leads","Leads 1","Leads 2",null,null,"Average"]
[null,null,"Minimum Needed:",0,0,0,0,0,0,0,{"$f":"SUM(D5:J5)","v":0},null,{"$f":"K5/12","v":0}]
[null,"1-","Internet/Social Media ",0,0,0,0,0,0,0,{"$f":"SUM(D6:J6)","v":0},null,{"$f":"K6/12","v":0}]
[null,"2-","Family/Friends",0,0,0,0,0,0,0,0,null,0]
[null,"3-","Purchased Leads",0,0,0,0,0,0,0,0,null,0]
[null,"4-","Cold Calls Personal Lines",0,0,0,0,0,0,0,0,null,0]
[null,"5-","Cold Calls Business",0,0,0,0,0,0,0,0,null,0]
[null,"6-","Referrals",0,0,0,0,0,0,0,0,null,0]
[null,"7-","Associations",0,0,0,0,0,0,0,0,null,0]
[null,"8-","Real Estate",0,0,0,0,0,0,0,0,null,0]
[null,"9-","Other Source 1",0,0,0,0,0,0,0,0,null,0]
[null,"10-","Other Source 2",0,0,0,0,0,0,0,0,null,0]
[null,"11-","Other Source 3",0,0,0,0,0,0,0,0,null,0]
[null,"12-","Other Source 4",0,0,0,0,0,0,0,0,null,0]
[null,null,"Minimum Expectations",{"$f":"D5","v":0},0,0,0,0,0,0,0,null,0]
[null,null,"TOTAL",{"$f":"SUM(D6:D17)","v":0},0,0,0,0,0,0,0,null,0]
[null,null,"Differences",{"$f":"D19-D18","v":0},{"$f":"E19-E18","v":0},0,0,0,0,0,0]
[]
[null,null,null,null,null,null,null,null,null,{"$f":"'Income Generator'!J150","v":"16JUL18/mlm/wch"}]
[null,null,"Plan Details"]
[null,null,"Source","Cost","Name of Vendor"]

{"sheet":"AAP Calculator","index":7,"n_rows":53,"n_cols":8,"rows_kept":53,"cut":false,"hidden":true,"merged":[[2,4,2,5],[1,1,1,5],[26,1,29,1]]}
[]
[null,"AMERICAN NATIONAL - Agency Plan"]
[null,null,null,null,{"$f":"MacroDefaults!B1","v":"Mr./ Mrs. Agent"}]
[null,null,null,null,"I.  Agent Allowance Program (AAP) Calculator"]
[]
[null,null,null,"Input \nCells","Monthly \nAdvance","Annual \nAdvance"]
[]
[null,"*P&C Annual Advance Level ",null,8700,{"$f":"D8/12","v":725},{"$f":"D8","v":8700}]
[null,"**Life Annual Advance Level",null,20000,{"$f":"D9/12","v":1666.6666666666667},{"$f":"D9","v":20000}]
[]
[null,"Additional Bonus",null,0,{"$f":"D11/12","v":0},{"$f":"D11","v":0}]
[]
[null,"AGENT ADVANCE",null,null,{"$f":"SUM(E8:E11)","v":2391.666666666667},{"$f":"E13*12","v":28700.000000000004},"/yr."]
[]
[null,null,null,"Month","Cumulative P&C Validation ","Monthly P&C Validation","Cumulative Life Validation","Monthly Life Validation"]
[null,"*Available P&C Validation Schedules are:",null,1,{"$f":"VLOOKUP(D16,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":100},{"$f":"E16","v":100},{"$f":"VLOOKUP(D16,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":150},{"$f":"G16","v":150}]
[null,"     $8,700  -    $12,500   -   $17,500   -   $20,000   -   $22,000   -   $25,000    ",null,2,{"$f":"VLOOKUP(D17,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":200},{"$f":"E17-E16","v":100},{"$f":"VLOOKUP(D17,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":300},{"$f":"G17-G16","v":150}]
[null,null,null,3,{"$f":"VLOOKUP(D18,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":350},150,{"$f":"VLOOKUP(D18,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":450},150]
[null,"**Available Life Validation Schedules are:",null,4,{"$f":"VLOOKUP(D19,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":700},350,{"$f":"VLOOKUP(D19,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":600},150]
[null,"$17,500   -   $20,000   -   $22,000   -   $25,000",null,5,{"$f":"VLOOKUP(D20,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":1050},350,{"$f":"VLOOKUP(D20,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":900},300]
[null,null,null,6,{"$f":"VLOOKUP(D21,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":1400},350,{"$f":"VLOOKUP(D21,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":1300},400]
[null,null,null,7,{"$f":"VLOOKUP(D22,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":1750},350,{"$f":"VLOOKUP(D22,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":1700},400]
[null,null,null,8,{"$f":"VLOOKUP(D23,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":2100},350,{"$f":"VLOOKUP(D23,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":2150},450]
[null,null,null,9,{"$f":"VLOOKUP(D24,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":2450},350,{"$f":"VLOOKUP(D24,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":2550},400]
[null,null,null,10,{"$f":"VLOOKUP(D25,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":2800},350,{"$f":"VLOOKUP(D25,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":3000},450]
[null,null,null,11,{"$f":"VLOOKUP(D26,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":3150},350,{"$f":"VLOOKUP(D26,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":3500},500]
[null,"Disclaimer: The compensation examples are based upon hypothetical production levels and there is absolutely no assurance that I will meet those production levels. The compensation examples do not reflect actual compensation results and are not guarantees of future results.",null,12,{"$f":"VLOOKUP(D27,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":3500},350,{"$f":"VLOOKUP(D27,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":4000},500]
[null,null,null,13,{"$f":"VLOOKUP(D28,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":4000},500,{"$f":"VLOOKUP(D28,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":4600},600]
[null,null,null,14,{"$f":"VLOOKUP(D29,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":4500},500,{"$f":"VLOOKUP(D29,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":5250},650]
[null,null,null,15,{"$f":"VLOOKUP(D30,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":5000},500,{"$f":"VLOOKUP(D30,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":5900},650]
[null,null,null,16,{"$f":"VLOOKUP(D31,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":5500},500,{"$f":"VLOOKUP(D31,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":6600},700]
[null,null,null,17,{"$f":"VLOOKUP(D32,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":6000},500,{"$f":"VLOOKUP(D32,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":7300},700]
[null,null,null,18,{"$f":"VLOOKUP(D33,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":6500},500,{"$f":"VLOOKUP(D33,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":8050},750]
[null,null,null,19,{"$f":"VLOOKUP(D34,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":7000},500,{"$f":"VLOOKUP(D34,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":8800},750]
[null,null,null,20,{"$f":"VLOOKUP(D35,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":7500},500,{"$f":"VLOOKUP(D35,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":9550},750]
[null,null,null,21,{"$f":"VLOOKUP(D36,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":8000},500,{"$f":"VLOOKUP(D36,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":10300},750]
[null,null,null,22,{"$f":"VLOOKUP(D37,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":8500},500,{"$f":"VLOOKUP(D37,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":11100},800]
[null,null,null,23,{"$f":"VLOOKUP(D38,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":9000},500,{"$f":"VLOOKUP(D38,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":12000},900]
[null,null,null,24,{"$f":"VLOOKUP(D39,'AAA-AAP Variables'!$A$15:$G$39,MATCH($D$8,'AAA-AAP Variables'!$B$15:$G$15,0)+1,FALSE)","v":9500},500,{"$f":"VLOOKUP(D39,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":13000},1000]
[null,null,null,25,null,null,{"$f":"VLOOKUP(D40,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":14000},1000]
[null,null,null,26,null,null,{"$f":"VLOOKUP(D41,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":15000},1000]
[null,null,null,27,null,null,{"$f":"VLOOKUP(D42,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":16100},1100]
[null,null,null,28,null,null,{"$f":"VLOOKUP(D43,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":17200},1100]
[null,null,null,29,null,null,{"$f":"VLOOKUP(D44,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":18300},1100]
[null,null,null,30,null,null,{"$f":"VLOOKUP(D45,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":19400},1100]
[null,null,null,31,null,null,{"$f":"VLOOKUP(D46,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":20500},1100]
[null,null,null,32,null,null,{"$f":"VLOOKUP(D47,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":21700},1200]
[null,null,null,33,null,null,{"$f":"VLOOKUP(D48,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":22900},1200]
[null,null,null,34,null,null,{"$f":"VLOOKUP(D49,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":24200},1300]
[null,null,null,35,null,null,{"$f":"VLOOKUP(D50,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":25600},1400]
[null,null,null,36,null,null,{"$f":"VLOOKUP(D51,'AAA-AAP Variables'!$H$15:$L$51,MATCH($D$9,'AAA-AAP Variables'!$I$15:$L$15,0)+1,FALSE)","v":27000},1400]
[]
[null,null,null," "]

{"sheet":"AAA-AAP Variables","index":8,"n_rows":86,"n_cols":17,"rows_kept":86,"cut":false,"hidden":true,"merged":[]}
["P&C Income Levels",0,8700,12500,17500,20000,22000,25000,null,null,null,null,null,"Commissions","Year","AAA","AAP"]
["Life Income Levels",0,17500,20000,22000,25000,null,null,null,null,null,null,null,"Auto",1,0.1,0.08]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,0.1,0.08]
["Honor Roll Bonus",20,30,40,50,null,null,null,null,null,null,null,null,null,3,0.1,0.08]
["Life Production",2000,3000,4000,5000,null,null,null,null,null,null,null,null,null,4,0.1,0.08]
["Bonus Amount",1000,1500,2000,2500,null,null,null,null,null,null,null,null,null,5,0.1,0.08]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Homeowners",1,0.12,0.15]
[null,"qualifying rule:","option 1","option 2",null,null,null,null,null,null,null,null,null,null,2,0.12,0.15]
[null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(B9,B4:E6,3),0)","v":0},{"$f":"IFERROR(HLOOKUP(ROUNDDOWN(B10/200,0)+B9,B4:E6,3),0)","v":0},"bonus lookup based on p&c",null,null,null,null,null,null,null,null,null,3,0.12,0.15]
[null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(B10,B5:E6,2),0)","v":0},{"$f":"C10","v":0},"life production in excess of target",null,null,null,null,null,null,null,null,null,4,0.12,0.18]
[null,null,{"$f":"MIN(C9:C10)","v":0},{"$f":"MIN(D9:D10)","v":0},"CALCULATED Bonus",null,null,null,null,null,null,null,null,null,5,0.12,0.18]
[null,null," ",null,null,null,null,null,null,null,null,null,null,"Umbrella",1,0.105,0.09]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,0.105,0.09]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,0.105,0.09]
["P&C",8700,12500,17500,20000,22000,25000,"Life",17500,20000,22000,25000,null,null,4,0.105,0.09]
[1,100,150,200,250,300,300,1,100,150,150,200,null,null,5,0.105,0.09]
[2,200,300,450,500,600,650,2,250,300,350,450,null,"Business Owner Policy",1,0.12,0.15]
[3,350,500,700,800,900,1000,3,400,450,550,650,null,null,2,0.12,0.15]
[4,700,1000,1400,1600,1800,2000,4,525,600,750,900,null,null,3,0.12,0.15]
[5,1050,1500,2100,2400,2700,3000,5,785,900,1125,1350,null,null,4,0.12,0.18]
[6,1400,2000,2800,3200,3600,4000,6,1135,1300,1625,1950,null,null,5,0.12,0.18]
[7,1750,2500,3500,4000,4500,5000,7,1485,1700,2125,2550,null,"Business Auto",1,0.1,0.08]
[8,2100,3000,4200,4800,5400,6000,8,1835,2150,2655,3190,null,null,2,0.1,0.08]
[9,2450,3500,4900,5600,6300,7000,9,2185,2550,3185,3830,null,null,3,0.1,0.08]
[10,2800,4000,5600,6400,7200,8000,10,2580,3000,3750,4500,null,null,4,0.1,0.08]
[11,3150,4500,6300,7200,8100,9000,11,3040,3500,4375,5250,null,null,5,0.1,0.08]
[12,3500,5000,7000,8000,9000,10000,12,3500,4000,5000,6000,null,"Special Farm Package",1,0.12,0.15]
[13,4000,5750,8000,9200,10400,11500,13,4025,4600,5690,6830,null,null,2,0.12,0.15]
[14,4500,6500,9000,10400,11800,13000,14,4595,5250,6440,7730,null,null,3,0.12,0.15]
[15,5000,7250,10000,11600,13200,14500,15,5165,5900,7190,8630,null,null,4,0.12,0.18]
[16,5500,8000,11000,12800,14600,16000,16,5780,6600,7995,9590,null,null,5,0.12,0.18]
[17,6000,8750,12000,14000,16000,17500,17,6410,7300,8800,10550,null,"Workers Comp",1,0.05,0.05]
[18,6500,9500,13000,15200,17400,19000,18,7060,8050,9665,11590,null,null,2,0.05,0.05]
[19,7000,10250,14000,16400,18800,20500,19,7710,8800,10530,12630,null,null,3,0.05,0.05]
[20,7500,11000,15000,17600,20200,22000,20,8360,9550,11395,13670,null,null,4,0.05,0.05]
[21,8000,11750,16000,18800,21600,23500,21,9010,10300,12260,14710,null,null,5,0.05,0.05]
[22,8500,12500,17000,20000,23000,25000,22,9710,11100,13160,15790,null,"Commercial Package Policy",1,0.12,0.15]
[23,9000,13250,18000,21200,24400,26500,23,10500,12000,14060,16870,null,null,2,0.12,0.15]
[24,9500,14000,19000,22400,25800,28000,24,11375,13000,15000,18000,null,null,3,0.12,0.15]
[null,null,null,null,null,null,null,25,12250,14000,16000,19200,null,null,4,0.12,0.18]
[null,null,null,null,null,null,null,26,13125,15000,17150,20580,null,null,5,0.12,0.18]
[null,null,null,null,null,null,null,27,14085,16100,18300,21960,null,"Commercial/Farm Umbrella",1,0.105,0.09]
[null,null,null,null,null,null,null,28,15045,17200,19500,23400,null,null,2,0.105,0.09]
[null,null,null,null,null,null,null,29,16005,18300,20700,24840,null,null,3,0.105,0.09]
[null,null,null,null,null,null,null,30,16970,19400,21900,26340,null,null,4,0.105,0.09]
[null,null,null,null,null,null,null,31,17935,20500,23150,27840,null,null,5,0.105,0.09]
[null,null,null,null,null,null,null,32,18985,21700,24400,29340,null,"Term Life",1,0.6,0.5]
[null,null,null,null,null,null,null,33,20035,22900,25700,30940,null,null,2,0,0.104]
[null,null,null,null,null,null,null,34,21175,24200,27000,32600,null,null,3,0,7.8E-2]
[null,null,null,null,null,null,null,35,22400,25600,28400,34280,null,null,4,0,5.1999999999999998E-2]
[null,null,null,null,null,null,null,36,23625,27000,30000,36000,null,null,5,0,5.1999999999999998E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Universal Life",1,0.6,0.45]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,2.4E-2,7.1499999999999994E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,2.4E-2,7.1499999999999994E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,2.4E-2,7.1499999999999994E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,2.4E-2,7.1499999999999994E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Whole Life",1,0.6,0.55000000000000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,2.6000000000000002E-2,0.104]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,2.5999999999999999E-2,0.104]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,2.5999999999999999E-2,5.1999999999999998E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,2.5999999999999999E-2,5.1999999999999998E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Fixed Annuity",1,0.05,0.03]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Pension",1,4.1500000000000002E-2,4.1500000000000002E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,4.1500000000000002E-2,4.1500000000000002E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,4.1500000000000002E-2,4.1500000000000002E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,4.1500000000000002E-2,4.1500000000000002E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,4.1500000000000002E-2,4.1500000000000002E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Disability",1,0.5,0.4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,0.1,7.4999999999999997E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,0.1,7.4999999999999997E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,0.1,7.4999999999999997E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,0.1,7.4999999999999997E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Long Term Care",1,0.65,0.65]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,0.08,0.08]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,0.08,0.08]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,0.08,0.08]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,0.08,0.08]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Health",1,0.09,0.09]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,0.04,0.04]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,0.04,0.04]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,0.04,0.04]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,0.04,0.04]

{"sheet":"Bonus","index":9,"n_rows":60,"n_cols":13,"rows_kept":60,"cut":false,"hidden":true,"merged":[]}
["Honor Roll Bonus",20,30,40,50]
["Life Production",2000,3000,4000,5000]
["Bonus Amount",1000,1500,2000,2500]
[]
["Option 1",null,null,null,null,null,null,"Option 2"]
[]
["no growth, no attrition",null,null,null,null,null,null,"no growth, no attrition"]
[]
[null,null,"bonus using",null,"bonus using",null,null,null,null,"bonus using",null,"bonus using"]
["Year","P&C units","P&C units","life sales","life sales","HRB",null,"Year","P&C units","P&C units","life sales","life sales","HRB"]
[1,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(B11,$B$1:$E$3,3),0)","v":0},{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(D11,$B$2:$E$3,2),0)","v":0},{"$f":"MIN(C11,E11)","v":0},null,1,{"$f":"B11","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(I11+ROUNDDOWN(K11/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D11","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(K11,$B$2:$E$3,2),0)","v":0},{"$f":"MIN(J11,L11)","v":0}]
[2,{"$f":"B11","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(B12,$B$1:$E$3,3),0)","v":0},{"$f":"D11","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(D12,$B$2:$E$3,2),0)","v":0},{"$f":"MIN(C12,E12)","v":0},null,2,{"$f":"B12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(I12+ROUNDDOWN(K12/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(K12,$B$2:$E$3,2),0)","v":0},{"$f":"MIN(J12,L12)","v":0}]
[3,{"$f":"B11","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(B13,$B$1:$E$3,3),0)","v":0},{"$f":"D11","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(D13,$B$2:$E$3,2),0)","v":0},{"$f":"MIN(C13,E13)","v":0},null,3,{"$f":"B13","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(I13+ROUNDDOWN(K13/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D13","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(K13,$B$2:$E$3,2),0)","v":0},{"$f":"MIN(J13,L13)","v":0}]
[]
["no growth, with attrition",null,null,null,null,null,null,"no growth, with attrition"]
[]
[null,null,"bonus using",null,"bonus using",null,null,null,null,"bonus using",null,"bonus using"]
["Year","P&C units","P&C units","life sales","life sales","HRB",null,"Year","P&C units","P&C units","life sales","life sales","HRB"]
[1,{"$f":"B11*12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((B19/12),$B$1:$E$3,3),0)","v":0},{"$f":"D11*12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((D19/12),$B$2:$E$3,2),0)","v":0},{"$f":"MIN(C19,E19)","v":0},null,1,{"$f":"B19","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((I19/12)+ROUNDDOWN((K19/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D19","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((K19/12),$B$2:$E$3,2),0)","v":0},{"$f":"MIN(J19,L19)","v":0}]
[2,{"$f":"(1+(1-#REF!))*Bonus!B19","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((B20-B19)/12),$B$1:$E$3,3),0)","v":0},{"$f":"(1+(1-#REF!))*Bonus!D19","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((D20-D19)/12),$B$2:$E$3,2),0)","v":0},0,null,2,{"$f":"B20","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((I20-I19)/12)+ROUNDDOWN(((K20-K19)/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D20","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((K20-K19)/12),$B$2:$E$3,2),0)","v":0},0]
[3,{"$f":"(1+(1-#REF!)+(1-#REF!)^2)*Bonus!B19","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((B21-B20)/12),$B$1:$E$3,3),0)","v":0},{"$f":"(1+(1-#REF!)+(1-#REF!)^2)*Bonus!D19","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((D21-D20)/12),$B$2:$E$3,2),0)","v":0},0,null,3,{"$f":"B21","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((I21-I20)/12)+ROUNDDOWN(((K21-K20)/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D21","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((K21-K20)/12),$B$2:$E$3,2),0)","v":0},0]
[]
["with growth, no attrition",null,null,null,null,null,null,"with growth, no attrition"]
[]
[null,null,"bonus using",null,"bonus using",null,null,null,null,"bonus using",null,"bonus using"]
["Year","P&C units","P&C units","life sales","life sales","HRB",null,"Year","P&C units","P&C units","life sales","life sales","HRB"]
[1,{"$f":"B11*12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((B27/12),$B$1:$E$3,3),0)","v":0},{"$f":"D11*12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((D27/12),$B$2:$E$3,2),0)","v":0},{"$f":"MIN(C27,E27)","v":0},null,1,{"$f":"B27","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((I27/12)+ROUNDDOWN((K27/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D27","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((K27/12),$B$2:$E$3,2),0)","v":0},{"$f":"MIN(J27,L27)","v":0}]
[2,{"$f":"ROUNDUP(B27*(1+(1+#REF!)),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((B28-B27)/12),$B$1:$E$3,3),0)","v":0},{"$f":"ROUNDUP(D27*(1+(1+#REF!)),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((D28-D27)/12),$B$2:$E$3,2),0)","v":0},0,null,2,{"$f":"B28","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((I28-I27)/12)+ROUNDDOWN(((K28-K27)/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D28","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((K28-K27)/12),$B$2:$E$3,2),0)","v":0},0]
[3,{"$f":"ROUNDUP(B27*(1+(1+#REF!)+(1+#REF!)^2),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((B29-B28)/12),$B$1:$E$3,3),0)","v":0},{"$f":"ROUNDUP(D27*(1+(1+#REF!)+(1+#REF!)^2),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((D29-D28)/12),$B$2:$E$3,2),0)","v":0},0,null,3,{"$f":"B29","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((I29-I28)/12)+ROUNDDOWN(((K29-K28)/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D29","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((K29-K28)/12),$B$2:$E$3,2),0)","v":0},0]
[]
["with growth, with attrition",null,null,null,null,null,null,"with growth, with attrition"]
[]
[null,null,"bonus using",null,"bonus using",null,null,null,null,"bonus using",null,"bonus using"]
["Year","P&C units","P&C units","life sales","life sales","HRB",null,"Year","P&C units","P&C units","life sales","life sales","HRB"]
[1,{"$f":"B11*12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((B35/12),$B$1:$E$3,3),0)","v":0},{"$f":"D11*12","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((D35/12),$B$2:$E$3,2),0)","v":0},{"$f":"MIN(C35,E35)","v":0},null,1,{"$f":"B35","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((I35/12)+ROUNDDOWN((K35/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D35","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP((K35/12),$B$2:$E$3,2),0)","v":0},{"$f":"MIN(J35,L35)","v":0}]
[2,{"$f":"ROUNDUP(B35*((1-#REF!)+(1+#REF!)),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((B36-B35)/12),$B$1:$E$3,3),0)","v":0},{"$f":"ROUNDUP(D35*((1-#REF!)+(1+#REF!)),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((D36-D35)/12),$B$2:$E$3,2),0)","v":0},0,null,2,{"$f":"B36","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((I36-I35)/12)+ROUNDDOWN(((K36-K35)/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D36","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((K36-K35)/12),$B$2:$E$3,2),0)","v":0},0]
[3,{"$f":"ROUNDUP(B35*((1-#REF!)+(1+#REF!)*(1-#REF!)+(1+#REF!)^2),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((B37-B36)/12),$B$1:$E$3,3),0)","v":0},{"$f":"ROUNDUP(D35*((1-#REF!)+(1+#REF!)*(1-#REF!)+(1+#REF!)^2),0)","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((D37-D36)/12),$B$2:$E$3,2),0)","v":0},0,null,3,{"$f":"B37","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((I37-I36)/12)+ROUNDDOWN(((K37-K36)/12)/200,0),$B$1:$E$3,3),0)","v":0},{"$f":"D37","v":{"$error":"#REF!"}},{"$f":"IFERROR(HLOOKUP(((K37-K36)/12),$B$2:$E$3,2),0)","v":0},0]
[]
[]
[]
[]
["Year","Base","HRB","Life","Total"]
[1,{"$f":"B11*12*#REF!","v":{"$error":"#REF!"}},{"$f":"MAX(F11,M11)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D11*12","v":{"$error":"#REF!"}},{"$f":"SUM(B43:D43)","v":{"$error":"#REF!"}}]
[2,{"$f":"B12*12*#REF!","v":{"$error":"#REF!"}},{"$f":"MAX(F12,M12)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D12*12","v":{"$error":"#REF!"}},{"$f":"SUM(B44:D44)","v":{"$error":"#REF!"}}]
[3,{"$f":"B13*12*#REF!","v":{"$error":"#REF!"}},{"$f":"MAX(F13,M13)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D13*12","v":{"$error":"#REF!"}},{"$f":"SUM(B45:D45)","v":{"$error":"#REF!"}}]
[]
["Year","Base","HRB","Life","Total"]
[1,{"$f":"B19*#REF!","v":{"$error":"#REF!"}},{"$f":"MAX(F19,M19)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D19","v":{"$error":"#REF!"}},{"$f":"SUM(B48:D48)","v":{"$error":"#REF!"}}]
[2,{"$f":"B20*#REF!","v":{"$error":"#REF!"}},{"$f":"C48+MAX(F20,M20)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D20","v":{"$error":"#REF!"}},{"$f":"SUM(B49:D49)","v":{"$error":"#REF!"}}]
[3,{"$f":"B21*#REF!","v":{"$error":"#REF!"}},{"$f":"C49+MAX(F21,M21)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D21","v":{"$error":"#REF!"}},{"$f":"SUM(B50:D50)","v":{"$error":"#REF!"}}]
[]
["Year","Base","HRB","Life","Total"]
[1,{"$f":"B27*#REF!","v":{"$error":"#REF!"}},{"$f":"MAX(F27,M27)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D27","v":{"$error":"#REF!"}},{"$f":"SUM(B53:D53)","v":{"$error":"#REF!"}}]
[2,{"$f":"B28*#REF!","v":{"$error":"#REF!"}},{"$f":"C53+MAX(F28,M28)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D28","v":{"$error":"#REF!"}},{"$f":"SUM(B54:D54)","v":{"$error":"#REF!"}}]
[3,{"$f":"B29*#REF!","v":{"$error":"#REF!"}},{"$f":"C54+MAX(F29,M29)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D29","v":{"$error":"#REF!"}},{"$f":"SUM(B55:D55)","v":{"$error":"#REF!"}}]
[]
["Year","Base","HRB","Life","Total"]
[1,{"$f":"B35*#REF!","v":{"$error":"#REF!"}},{"$f":"MAX(F35,M35)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D35","v":{"$error":"#REF!"}},{"$f":"SUM(B58:D58)","v":{"$error":"#REF!"}}]
[2,{"$f":"B36*#REF!","v":{"$error":"#REF!"}},{"$f":"C58+MAX(F36,M36)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D36","v":{"$error":"#REF!"}},{"$f":"SUM(B59:D59)","v":{"$error":"#REF!"}}]
[3,{"$f":"B37*#REF!","v":{"$error":"#REF!"}},{"$f":"C59+MAX(F37,M37)*12","v":0},{"$f":"#REF!*#REF!*Bonus!D37","v":{"$error":"#REF!"}},{"$f":"SUM(B60:D60)","v":{"$error":"#REF!"}}]

{"sheet":"MacroDefaults","index":10,"n_rows":2,"n_cols":2,"rows_kept":2,"cut":false,"hidden":true,"merged":[]}
["Name:","Mr./ Mrs. Agent"]
["Agent Type:","AAA"]

{"sheet":"Sheet1","index":11,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}