Guides for insurance agents and brokers
Practical guides on commissions, policy portfolios, day-to-day organisation and client data protection.
How to check whether your insurance provider paid you every commission you're owed
A seven-step process for checking commissions paid by insurance providers, spotting missing payments, and preparing a provable claim.
14 min read · Updated 28 Aug 2026Read the guide
Commission tracking software: how to choose one that catches errors
What commission tracking software must do: calculate expected commission from your own rules, compare it against statements, flag missing payouts, clawbacks and unmatched items.
11 min read · Updated 15 Sept 2026
How much do insurance agents make? A commission breakdown
How much do insurance agents make? Understand gross commission, renewal income, agency splits and expenses, with examples for estimating your own earnings.
13 min read · Updated 19 Sept 2026
Commission tracker in Excel: how to build one, and where it breaks
How to build a commission tracker in Excel or Google Sheets: the columns you need, the formulas that compare expected against paid, and the limits of a spreadsheet.
9 min read · Updated 15 Sept 2026
How to read your commission statement line by line
A practical walkthrough of an insurance commission statement: policy references, bases, rates, adjustments, clawbacks and how to reconcile the total against your own records.
9 min read · Updated 15 Sept 2026
Term life insurance commission structure explained
How term life insurance commission is structured: first-year and renewal shares, the commission base, clawback periods and the mistakes that cost agents money.
7 min read · Updated 15 Sept 2026
Whole life and endowment commission structure explained
How whole life and endowment commission is structured: the commission base, first-year and service commission, paid-up policies, clawbacks and long-term reconciliation.
7 min read · Updated 15 Sept 2026
Annuity commission structure explained
How annuity commission is structured: commission on deposits and single premiums, trail commission, surrender-period clawbacks and how to reconcile the payments.
7 min read · Updated 15 Sept 2026
Health supplement commission structure explained
How commission on supplemental health insurance and Medicare Supplement plans is structured: first-year and renewal percentages, renewal years, replacements and reconciliation.
7 min read · Updated 15 Sept 2026
Agency commission splits: producers, mentors and overrides
How insurance agency commission splits work: per-product shares, mentor and team overrides, when to recalculate after a clawback, and how to report each share clearly.
9 min read · Updated 15 Sept 2026
Free commission tracking software: what you get and what is missing
An honest comparison of free commission tracking options — spreadsheets, templates and free tiers — what each one covers, and the checks they leave to you.
8 min read · Updated 15 Sept 2026
Commission reconciliation software: matching statements to policies
How commission reconciliation software works: matching statement lines to policies, flagging variances and unmatched items, and reporting on commission accuracy.
10 min read · Updated 15 Sept 2026
Insurance renewal software: what renewal tracking has to cover
What insurance renewal software must do: track renewal dates, flag lapses and unpaid instalments, and connect renewals to the renewal commission you are owed.
9 min read · Updated 15 Sept 2026
Free CRM for insurance agents: what works and where it stops
An honest look at free CRM options for insurance agents: what a free plan covers for policies and renewals, the usual limits, and when paying starts to make sense.
10 min read · Updated 15 Sept 2026
Insurance agency automation: which tasks are worth automating first
A practical guide to insurance agency automation: which repeated tasks to automate first, which numbers to watch weekly, and what to leave to people.
10 min read · Updated 15 Sept 2026
Insurance agency software: what a small agency actually needs
How to choose insurance agency software: policy portfolio, renewals, commission control, client records, data ownership and realistic costs for a small agency.
12 min read · Updated 15 Sept 2026
Policy renewal management: a system that stops silent lapses
How to manage insurance policy renewals: a 90-60-30 day rhythm, alerts that reach you, a renewal conversation that reviews the whole portfolio, and how to measure retention.
10 min read · Updated 14 Sept 2026
When does an insurance agent have the right to commission
When an insurance agent or broker is entitled to commission, what the agency agreement should cover, how clawbacks work, and how to document payment.
15 min read · Updated 28 Aug 2026
Commission clawbacks: what they are and how to track them
We explain what a policy cancellation and commission clawback are, how the proportional repayment is calculated, and how to properly track clawbacks in your commission records.
15 min read · Updated 28 Aug 2026
Commission on life insurance: how it's calculated and how to check it
See how life insurance commission works by product, with calculation examples, clawbacks, renewal payments and a free commission calculator.
17 min read · Updated 19 Sept 2026
CRM for insurance agents: what it needs to do and what's just clutter
What a CRM for insurance agents really needs to do: a single client card, policy renewals, a visit organiser, a link to commissions, and compliance with data protection law.
15 min read · Updated 15 Sept 2026
How insurance commission statements are calculated
A clear guide to how insurance commission statements work: bases, rates, upfront and renewal commission, clawback reserves, and worked examples.
15 min read · Updated 28 Aug 2026
Spreadsheet or dedicated tool: when a spreadsheet is no longer enough
When Excel or Google Sheets is still enough for tracking policies and commissions, where their limits are, and how to move to a dedicated tool without losing data.
14 min read · Updated 15 Sept 2026
Insurance policy record keeping: what it should include and how to set it up
Which fields a policy record should include, how to handle retention and GDPR, renewal alerts, and when to move from a spreadsheet to a dedicated tool.
15 min read · Updated 28 Aug 2026
Google Sheets for client records: a practical mini-CRM for insurance agents
How to build a mini-CRM in Google Sheets for clients, policies, and statements: structure, formulas, conditional formatting, and when a spreadsheet stops being enough.
15 min read · Updated 28 Aug 2026
CRM software pricing: costs, hidden fees and plan comparison
Compare CRM software pricing models, setup and hidden fees. See what small businesses should expect to pay and how to judge the real annual cost.
15 min read · Updated 19 Sept 2026
Work Organization for Insurance Agents: A System That Holds
A practical system for planning an insurance agent's work: a weekly rhythm, visit preparation, field routes, consistent record-keeping and measuring results.
14 min read · Updated 28 Aug 2026
GDPR and Client Data: What an Insurance Agent Needs to Sort Out
A practical guide to GDPR for insurance agents and brokers: legal bases, records of processing, retention periods, data processors and device security.
15 min read · Updated 28 Aug 2026