What would just‑in‑time appointments actually save you?

The model. For each state, annual spend = new-share × appointments × (initial fee + NIPR's per-transaction filing fee)  +  renewing-share × appointments × renewal fee. Estimated savings apply the never-produce percentage to spend in JIT-eligible states only. Under JIT, appointments that would go unused are simply never filed and never renewed. The quick estimate applies the same math to your total, using unweighted average fees across JIT-eligible states and your JIT-share input. Refining by state replaces those averages with each state's actual fee and your actual distribution.

What this understates. Fees here are representative, resident-leaning single values; several states charge more for non-residents, per LOA, or per county. Renewal invoicing costs through NIPR are not modeled. Avoided appointments also avoid future termination fees. Real spend, and therefore real savings, is likely higher than modeled.

Record-only states, precisely. "No filing" does not mean "no obligation." In the eight record-only states the carrier must maintain its own registry of authorized producers and produce it on request (in audits, reviews and market conduct exams), and some states set timing rules for the registry itself (Missouri: new agents added within 30 days of the appointment-effective date). Each record-only state can also carve out lines or license classes that must be proactively filed, with their own deadlines and renewal rules: Colorado requires bail bond agents to be appointed before they sell, Maryland requires motor club licensees to hold a carrier appointment, and Illinois requires appointments for limited lines and travel producers. This is why a record-only state's DOI may publish appointment deadlines and forms while saying it doesn't require appointments: the paperwork belongs to the exceptions. The calculator treats these states as $0 because a standard P&C book files nothing there.

1. Per-LOA / per-line fee states (NC, NM, OH, TX, VA): a single representative value is used; producers appointed on multiple lines cost proportionally more.
2. Texas and Florida: a producer's first-ever appointment in the state must be filed up front; JIT applies from the second appointment on. Counted as JIT here.
3. California: up-front applies to P&C business; life, health and annuity allows 14-day JIT. Treated as up-front here to keep things simple.
4. Connecticut fees vary with the producer's home state; a representative non-resident value is used.
5. South Carolina fees vary by appointment type; the Local Producer value is used.
6. Florida non-residents pay an additional per-county charge. Not modeled.
7. Louisiana & Montana windows run from contract execution only, so JIT there means aligning contract execution with first business.
8. Vermont: the resident fee is used; non-residents pay more.
9. Guam, Puerto Rico and the U.S. Virgin Islands require up-front appointment and are omitted.

State fees, filing windows, and appointment rules change without notice, and the values behind this calculator may be dated. Always verify current requirements with the relevant state department of insurance before relying on any figure. This is a planning estimate, not legal or accounting advice.