Book Sale Preview
See what a sale of your book could look like. In two minutes.
Enter a few numbers about your book. See an estimated range, what moved it, and how the money could arrive. Free, confidential, and no call required.
An estimate for discussion based on the numbers you enter. Not an offer. Not ready for numbers? Get the Agency Exit Playbook.
In short
Everhold buys independent property and casualty agency books in Arizona. The free Book Sale Preview estimates a range for your book from retention, book mix, client tenure, carrier concentration, and revenue trend, and shows an example payment schedule on Everhold's published terms. It takes about two minutes, it's confidential, and it isn't an offer.
- The preview places a book between 1.5x and 3x of annual P&C commission, before due diligence.
- Published terms: 10% to 20% at closing, then the balance monthly over 5 to 7 years at 10% interest.
- A proof of funds letter comes before you send any book data, and a letter of intent within 7 days of receiving it.
- P&C only. Life, health, and Medicare commission isn't part of the range.
What you get
Your preview, in three parts.
Your range
Low, midpoint, and high, based on your retention, book mix, client tenure, carrier concentration, and revenue trend.
Your reasons
Plain language on what moved your number up or down, so you see what a buyer sees.
Your example schedule
Cash at closing and monthly payments over 5 or 7 years, on our published terms.
How it works
Three steps. Talk only if you want to.
- 1
Enter your numbers
About two minutes. No documents needed.
- 2
See your preview
Right away on screen, and in your inbox within a minute.
- 3
Talk only if you want to
Book a 30 minute confidential call to check the numbers against your real commission statements. Send your book data when you're ready, and you'll have a letter of intent within 7 days.
Book Sale Preview
What could a sale of your book look like?
Enter a few numbers about your book. You'll see an estimated range, what moved it, and an example payment schedule. It's free and confidential.
After the sale
How your clients will be served.
Price matters, but most owners care more about what happens to the people they've served for years. Here is exactly what each of your clients gets.
A letter from you, then a call
Your clients hear about the handoff from you first. We plan who calls whom, and when, together.
Their own Portfolio Ledger
Every client gets a free Ledger: every policy, carrier, and renewal date on one screen, with any gaps flagged and explained in plain English.
The 90/60/30 Renewal Protocol
An email 90 days before each renewal, a market update at 60, and a call at 30 with shopped options in hand. Nobody gets surprised by a bill.
See what a Ledger looks like on our investor page. On a confidential call, we'll walk you through one live.
Your protections
Terms published up front. Protections in writing.
Annual P&C commission, set by retention, book mix, client tenure, carrier spread, and trend.
Paid when the sale closes. The rest is paid over time.
The balance is paid to you monthly over 5 to 7 years.
In annual P&C commission. A whole book, or part of one.
- A proof of funds letter for the cash at closing, before you send any book data.
- A letter of intent within 7 days of receiving your book data.
- An NDA before any client data is shared.
- We encourage you to have your own attorney and CPA review everything.
- We plan the handoff with you: how your clients hear about it, who they talk to, and when.
Before you start
What to know.
- This is an estimate, not an offer or an appraisal. Final terms depend on due diligence, and other buyers may see your book differently.
- It is only as accurate as the numbers you enter.
- Most of the price is paid over time. Part of it can be tied to how many of your clients stay.
- A seller note means you finance part of the price. Ask your attorney and CPA about security and taxes before you agree to anything.
- Everhold buys P&C books. Life, health, and Medicare are not part of what we buy.
- Everhold is licensed in Arizona. If your book is in another state, we confirm licensing for that state before any agreement and tell you plainly where we stand.
Questions owners ask
Straight answers.
Is it really free and confidential?
Yes. We use what you send only to prepare your preview and respond to you.
Will you call me?
Only if you check the box or book a call. Otherwise we use email.
Do I have to be ready to sell?
No. Many owners run it to see their options.
Can I sell only part of my book?
Yes. Partial books are welcome.
How do I know you can pay?
Before you send any book data, we give you a proof of funds letter for the cash at closing. Once we have your book data, you'll have a letter of intent within 7 days.
How is the range calculated?
From your numbers. Retention, book mix, client tenure, carrier concentration, and revenue trend place you between 1.5x and 3x of annual P&C commission. Due diligence on your real statements confirms or changes it.
How are P&C agency books valued?
In Everhold's Book Sale Preview, a book is valued as a multiple of annual P&C commission, from 1.5x to 3x. Retention, book mix, client tenure, carrier concentration, and revenue trend move the multiple, and due diligence on your real statements confirms the final number.
What is seller carry financing?
Seller carry financing means the buyer pays part of the price at closing and pays you the rest over time under a note. On Everhold's published terms, that's 10% to 20% at closing and the balance monthly over 5 to 7 years at 10% interest.
What affects the multiple?
In the preview, retention moves the multiple the most, then commercial lines share, client tenure, carrier concentration, and revenue trend. Strong retention can add up to 0.5x, while a declining trend or heavy concentration with one carrier lowers it.
Do you buy books outside Arizona?
Everhold focuses on Arizona books. If your book is in another state, we confirm licensing there before any agreement and tell you plainly where we stand.
Do you buy life and health books?
No. Everhold buys P&C books only. If part of your book is life, health, or Medicare, the preview figures your range on the P&C share.
See what your book could sell for.
About two minutes. Free, confidential, and no call required.
This is an estimate for discussion only. It is not an offer, an appraisal, or legal or tax advice. Final valuation depends on due diligence. Everhold Insurance is a licensed insurance agency in the State of Arizona. License # 3004512575.
Prefer to talk to a real person? We reply within four business hours.