For independent life & health agents
Find the commission your carriers owe you.
Drop in a statement. See the missing dollars in about a minute. No card, no logins.
- Read on your device — never uploaded
- Full CMS Medicare amounts built in
- Unknown rates flagged, never guessed
- Data encrypted in transit and at rest
- Your statements stay private — never sold or shared
Check a statement right now — no account needed
Read on your device, never uploaded. Medicare lines are checked automatically.
Or drag it here · CSV, TXT, XLSX, XLS · PDFs are read inside your account
Your file stays on your computer — this check runs in your browser and nothing is sent to us.
80 seconds
See Guardian in action
Case files
Real gaps. Plain dollars.
Case file #001 · Life & final expense
$1,266
Chris's advances came in short.
- $450Term life advance paid at 55% instead of the contracted 80% ($1,800 annual premium)
- $720Final expense policy approved, commission never paid
- $96Chargeback on a policy that was never cancelled
Case file #002 · Medicare & ACA
$686
Dana's AEP didn't all get paid.
- $347New-to-Medicare client paid at the renewal rate instead of the initial rate
- $289Medicare Advantage renewal missing from ten monthly statements
- $50ACA member missing for two months after the agent's NPN was left off
| Policy | Expected | Paid | Gap | Verdict |
|---|---|---|---|---|
| Term life · 20-yr · #A-4471 | $1,350.00 | $1,350.00 | $0.00 | Paid correctly |
| Term life · 10-yr · #A-4488 | $1,440.00 | $990.00 | -$450.00 | Short: 55% instead of 80% |
| Final expense · #F-2210 | $720.00 | — | -$720.00 | Never paid |
| Medicare Adv · Renewal · #M-3307 | $30.25 | $18.00 | -$12.25 | Short: renewal at wrong rate |
| Whole life · #W-1092 | $0.00 | -$96.00 | -$96.00 | Chargeback to review |
Illustrative examples. Your results depend on your book and carriers.
The villains
Six leaks the Guardian hunts
The Missing Renewal
DetectedPolicies in your book that stop showing up on a statement, and months skipped in a monthly-paid line.
The Wrong Rate
DetectedEvery line checked against your contracted percent, flat fee or the full CMS amount, with the dollar gap.
The Silent Chargeback
DetectedMoney taken back, including chargebacks on policies that aren't in your book at all.
The Downgrade
DetectedA first-year sale paid at the lower renewal rate, or a renewal paid below your renewal rate.
The Double Dip
DetectedThe same amount credited twice for one policy and period. Flagged for review; no dollars claimed.
The Vanished Client
DetectedA client switches plans, carriers or agents and your renewals quietly stop. Guardian alerts you on the next statement.
Three steps. No setup call.
Log the policy once
Carrier, product, premium and your contracted rate. That becomes the expected commission.
Drop in the statements
PDFs and spreadsheets are read line by line, whatever format the carrier uses.
See only what's wrong
Missing payments, short payments and surprise chargebacks, with the dollar gap on each one.
Your book has a bodyguard
Guardian never sleeps
Your carriers won't tell you when a client leaves, a policy lapses or a new sale never pays. Guardian will, on the very next statement, while there's still time to act.
Vanished Client
A client switched plans, carriers or agents. Know within one statement, not six months later.
Medicare: an MAPD member stops appearing after March.
New Sale Watch
Every new policy tracked until its first commission lands.
ACA: "Not effectuated or not paid yet: confirm the first premium and your NPN."
Lapse Alarm
Catch a missed premium while you can still save the policy, and your advance.
Final expense: grace notice with $412 of unearned advance at risk.
Chargeback Shield
Every clawback explained, with the suspicious ones flagged for dispute.
Term life: a chargeback on a policy that still shows as paying.
Rate Cut Radar
When a carrier quietly lowers your rate, you'll know that month.
Medicare Supplement: 12 renewals paid at a lower rate this month.
Plan Switch Signal
A client changed plans and you didn't make the change? You'll hear about it first.
ACA: same client, new plan at the same carrier at renewal.
Included in every paid plan, with instant alert emails and a Guardian weekly briefing. Carriers send statements. Guardian reads them.
Origin story
30 years of carrier statements taught us where the money hides.
After more than three decades of selling and reading carrier statements, one thing is clear: every hour spent combing through them is an hour not spent with clients or writing new business. So most agents either skip the checking and quietly lose money, or pay someone to do it for them. Commission Guardian ends that trade-off: drop in the statement, see exactly what's missing in minutes, and get back to selling.
Simple pricing
First audit free · 7-day trial · 14-day money-back
Solo
$29/mo
or $290/yr, 2 months free
- Up to 5 carriers
- Unlimited statement audits
- Underpayment & missing-payment detection
- Every Guardian alert included
- Instant alerts + weekly briefing
Pro
$49/mo
or $490/yr, 2 months free
- Unlimited carriers & statement audits
- Everything in Solo
- Every Guardian alert included
- Instant alerts + weekly briefing
- Recovery tracking dashboard
For agencies & FMOs
One Guardian for your whole team.
Up to 10 agents, every agent's alerts and recoveries in one dashboard, and split tracking for your downline.
Starting at $199/month
Straight answers
What is a commission audit?
A commission audit checks every line of a carrier statement against what your contract says you should have been paid — premium times your contracted rate — and flags short payments, missing payments and chargebacks.
How is commission reconciliation different?
Commission reconciliation is the monthly habit: matching each expected commission in your book to a paid line on a statement, so a policy that was never paid at all still shows up. Commission Guardian runs both from the same statement.
Do I have to give you my carrier logins?
No. You enter the carrier, product and your contracted rate, then upload the statement the carrier already sends you.
What statement files work?
CSV, TSV, TXT and Excel files scan straight in your browser. PDF statements go through the upload scanner.
Who can see my book and statements?
Only your account. Your policies, statements and findings are isolated to your login and never shared with other agents.
What happens if I cancel?
Report access ends with your plan. You can export findings to CSV any time while your account is active, and you can ask us to delete your data.
Guides
- Commission audit software for insurance agents
- How to find the commissions your carriers never paid
- Your carrier is not paying correctly: how to prove it
- Insurance commission reconciliation, step by step
- Comparing carrier commission rates before you contract
- Insurance commission tracking software: a practical guide