What we do
Commission reconciliation tools built for insurance agents.
Built for independent life and health agents. Turn carrier statements, contract rates, and policy records into a repeatable audit that finds missing payments, rate differences, and unexplained chargebacks.
Statement audits
Upload carrier commission statements in any format — PDF or spreadsheet. Every line is read and matched against your book of business.
Expected-vs-paid comparison
Each policy's expected commission is computed from your contracted rates, then compared to what the carrier actually paid, down to the dollar.
Weekly scan cycle
Your statements are reviewed every week, with an email summary of what was found — so problems surface in days, not at renewal time.
Dispute letters to carriers
One click sends a professional dispute letter to the carrier's commission department, quoting the policy, the amount paid, and the exact shortfall.
Recovery tracking
Every discrepancy is tracked from open to recovered, with a running total of the dollars you've won back.
Private by design
Your book of business, statements, and findings are visible only to your account. Nothing is shared with anyone but the carrier you dispute with.
Lines of business
Life, health, Medicare and ACA in one account
Health
ACA plans on a flat fee per policy, Medicare Advantage and Part D against the published CMS maximum for the contract year and state (or your contracted percent or flat rate), supplements and ancillary products on your own percentages — each line on a mixed statement priced on its own basis.
Life
First-year and renewal schedules kept separate, target and excess premium handled apart, so a policy that pays 90% in year one and 4% after is audited correctly in both years.
From the blog
Commission tracking, reconciliation and rate comparison
Learn how to choose commission tracking software, reconcile every statement, compare life, health, Medicare and ACA rate schedules, and document a carrier dispute.
- How to audit life insurance commissions: first-year, renewal and the years nobody checksAudit tips
- Life insurance commission schedules explained: target premium, excess, and the renewal tailCarrier negotiations
- Life insurance chargebacks: which reversals are fair, and which you should disputeCommission disputes