Calculator - Western Asset Protection
Logo: Western Asset Protection, an Integrity Company

Capital Calculator™ by Access Capital Group

Western Asset Protection partners with Access Capital Group to provide Agents the ability to sell their book of business. Access Capital Group was created to simplify the capital acquisition process for insurance agents.

By accelerating your own renewals into a lump-sum payment, we have developed a streamlined process to get you the debt-free capital you need.

Try out our simple Capital Calculator™ tool below and to see an informal estimate on how much capital your future renewals could generate today in a lump-sum. For a formal and official offer for your book please contact Elevate@westernassetprotection.com.

    Request a valuation today

    A valuation expert will reach out to you to discuss your personalized commission valuation.





    For agent use only. Not for use with consumers. This does not constitute an offer to purchase. Exclusions and limitations apply. Lapse and Mortality ratios are considered in establishing a book value for an insurance book of business.

    Step 1: Enter your monthly renewals by product type

    Enter the details of your book of business below and see what you could get today in a lump-sum.

    Long-Term Care

    LTC, STC and Convalescent Care.

    $ /month
    Add to Valuation

    Medicare Supplement/Advantage

    All Plans, Medicare Advantage, PDP

    $ /month
    Add to Valuation

    Supplemental Health

    Critical Illness, Cancer, Heart and Stroke.

    $ /month
    Add to Valuation

    Life Insurance

    Whole Life, Term Life, Universal Life & Final Expense Whole Life.

    $ /month
    Add to Valuation

    Disability Income

    Short Term Disability Insurance, Disability Income Protection

    $ /month
    Add to Valuation

    Accident Insurance

    Hospital Indemnity and other Supplemental Accident Insurance plans

    $ /month
    Add to Valuation

    Step 2: Click "Run Calculator"

    Once you have entered all of your product types, simply push "Run Calculator" to view your results!

    Looks good, click Run Calculator to view results

    Run Calculator

    Must enter valid commission amount for at least one product type above!

    Access Capital Calculator: Let's See the Results

    Looks good, let's get started

    Book of Business Makeup
    Product Type Monthly Commissions

    Valuation Results

    Below are the details of your custom calculation:

    Calculator Results
    Product Types:
    Annualized Renewal Commissions:
    Lump-Sum Purchase Price Range
    Annualized Purchase Multiple

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    Phoenix, AZ 85032
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    We do not offer every plan available in your area. Currently, we represent 37 organizations that offer 1,855 products nationally.  Please contact Medicare.gov, 1‐800‐ MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

    Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

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