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Commission tracking guidance for insurance agents.
Learn how to reconcile carrier statements, compare life and health commission rates, choose tracking tools, document underpayments, and build a repeatable audit process.
How to audit life insurance commissions: first-year, renewal and the years nobody checks
Life commissions are front-loaded, then taper for years. That shape is exactly why underpayments hide. Here is how to audit a life book line by line.
Life insurance commission schedules explained: target premium, excess, and the renewal tail
Two carriers can quote the same first-year percentage and pay very differently. The difference lives in the definitions, not the headline number.
Life insurance chargebacks: which reversals are fair, and which you should dispute
A negative line on a life statement is not automatically correct. Here are the reversals worth challenging and what to send.
Auditing Medicare Advantage commissions against the CMS maximums
Medicare commissions are per member, capped by CMS, and differ by state and by new versus renewal. That makes them unusually checkable — if you use the right number.
ACA marketplace commissions: auditing flat per-member fees month after month
ACA business pays a small flat amount per member per month. The individual line is tiny, which is exactly why missing ones go unnoticed for a whole plan year.
Reconciling a health insurance commission statement in under 15 minutes a month
A repeatable monthly routine for individual and small-group health agents, built around the four questions that actually find money.
Commission audit software for insurance agents: what it does and how to choose
What commission audit software actually checks on a carrier statement, the records it needs from you, and how to test one with a real statement before you pay for it.
Your carrier is not paying commissions correctly: how to prove it
A practical sequence for confirming a carrier underpaid you, ruling out timing and contract explanations, and building a dispute the commission department can act on.
How to find the commissions your carriers never paid you
Missing commissions never appear on a statement, so scanning statements will not find them. Here is how to work from your own book of business instead.
Comparing carrier commission rates before you contract
A headline commission percentage is not comparable across carriers. Here is what else to line up before deciding which carrier is actually paying you more.
Insurance commission tracking software: a practical guide for agents
Learn what insurance commission tracking software should verify, which records it needs, and how to compare a dedicated tool with spreadsheets.
Insurance commission reconciliation: a step-by-step process
A practical commission reconciliation process for matching carrier statements to policies, rates, schedules, discrepancies, and recoveries.
How to compare life and health insurance commission rates
Compare life and health insurance commission rates fairly by normalizing products, payment timing, renewals, splits, chargebacks, and contract terms.
Negotiating better commission rates with carriers, backed by your own numbers
Rate conversations go differently when you can show persistency, volume and payment accuracy in writing. Here is what to bring.
How to dispute an underpaid commission and actually get paid
A dispute succeeds or fails on the first email. Here is the structure carriers respond to, and the details that make a shortfall impossible to argue with.
A monthly commission audit checklist you can finish in 20 minutes
Auditing every line by hand is unrealistic. Auditing the five things that account for most losses is not.
Five reasons carriers underpay commissions (and none of them are malice)
Most underpayments are process errors, not theft. Knowing which error you are looking at tells you exactly who to email and what to ask for.
Reading a commission statement you did not design
No two carriers format statements the same way. These are the columns that matter and the labels they hide behind.