Guides for running a modern agency
How commissions, overrides, and reporting actually work, and how to stop doing them by hand.
1099 vs LOA Agents: How Insurance Commissions Actually Flow
The difference between a 1099 and an LOA agent isn’t just tax paperwork. It changes who the carrier pays and how money moves through your hierarchy. Here’s how each one actually settles.
Read article →What Is a Differential Override? Hierarchy Commissions Explained
Overrides are how uplines get paid on their downline’s production. The most common model, the differential override, is simpler than it sounds once you see it cascade up a chain.
Read article →How to Reconcile Carrier Commission Statements and Catch Underpayments
Carriers make mistakes. A repeatable reconciliation process turns your commission statements from a filing chore into a way to recover money you’re owed.
Read article →Connecting Carrier SFTP Feeds: What Agencies Get Wrong
A carrier SFTP feed is the difference between a book of business that updates itself and one you rebuild in a spreadsheet every month. Most agencies stumble on the same handful of details.
Read article →What Your Book of Business Is Actually Worth
A book of business is not worth what you wrote. It is worth what stays on the books and keeps paying. Persistency, product mix, and clean data drive the number more than headline premium.
Read article →The Medicare AEP Reporting Checklist
AEP runs Oct 15 to Dec 7, and the agencies that stay calm through it are the ones whose reporting was ready before the first application. Here is the checklist to build now.
Read article →Onboarding Agents Without the NPN Headaches
Most agent-onboarding pain traces back to one field: the NPN. It is the join key between your roster and every carrier file, and a single wrong digit breaks the chain.
Read article →Managing a Growing Downline: Structure That Scales
The org chart that ran smoothly at ten agents quietly becomes unmanageable at a hundred. Structure, not heroics, is what lets a downline keep growing.
Read article →Carrier Contracting and Appointments, Without the Spreadsheet
Every agency starts with a contracting spreadsheet. It works until an agent writes for a carrier they were never appointed with, and then the spreadsheet costs you real money.
Read article →Stop Rekeying Carrier Commission Statements
If a person on your team retypes carrier commission statements into a spreadsheet every month, you are paying twice: once for the labor and again for the underpayments that slip past tired eyes.
Read article →Stop reconciling spreadsheets. Start running the grid.
Connect your first carrier feed today and watch your whole book, and every agent’s slice of it, come to life.