The Independent Insurance Agencies Fix Kit
Built for independent insurance agency owners and producers.
Your commission gets calculated by someone else. This kit finds where the money leaks in your own work and gives you the steps and the words to close each one.
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The 6 leaks it covers
1 you can close it · 5 the other side owes it
- Commission shared with someone not licensed or appointed where the business was writtenWhere to look first: This is not money to recover. It is a line the audit stops at. List everyone who received any share of commission this year — producers, sub-producers, referral partners, other agencies.Keep it from coming back: Before you pay any new producer or referral partner a share, get their license number and check it with the state first. Re-check every license and appointment at renewal.You can close it
- Contingent bonus tier set by a carrier grid the agency never checksWhere to look first: Pull this year's contingent (profit-sharing) agreement for each carrier — the page that lists the tiers and what qualifies you (loss ratio, growth, retention, minimum volume).Keep it from coming back: Each January, pull every carrier's contingent agreement and set a mid-year check of your own four inputs. Ask for the calculation detail before you accept any contingent statement, not after.The other side owes it
- Carrier chargebacks taken from current commission with no check against cancellationsWhere to look first: Find your agency agreement with each carrier. Look for the chargeback or return-commission section. Note whether it says how far back a chargeback can reach.Keep it from coming back: Check every chargeback line the month it appears, before it ages. At each agency agreement renewal, read the chargeback section and ask how far back it can reach.The other side owes it
- The six base-commission leak types no one has audited line by lineWhere to look first: Pick one carrier and one quarter. Pull the carrier statements and your AMS book for the same policies.Keep it from coming back: Run the six checks each month as statements arrive. Update your commission schedules whenever a carrier changes them so the rate check stays right.The other side owes it
- Unreconciled commission discounted again when the agency is soldWhere to look first: Pick the last full year. For each carrier, match the commission your AMS says you earned against the commission statements and the bank deposits.Keep it from coming back: Match every carrier statement monthly and keep the notes. A record built as you go is worth more than one rebuilt the month before a sale.The other side owes it
- Direct-bill statements: the carrier computes your income and no one checks itWhere to look first: Pick one carrier and one month. Export that month's direct-bill policies from your AMS: policy number, premium, commission rate you were promised for that line and that term (new or renewal).Keep it from coming back: Match every direct-bill statement monthly, policy by policy — not just the total. Keep each carrier's current commission schedule on file so the rate check is possible.The other side owes it
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 6 exactly as it appears in the kit, so you can see what you get before you buy.
Commission shared with someone not licensed or appointed where the business was written
You can close itThis is not money to recover. It is a line the audit stops at.
- List everyone who received any share of commission this year — producers, sub-producers, referral partners, other agencies.
- For each one, write down the state where the policy was written.
- Check each person's license and appointment with that state's Department of Insurance. You can reach every state's department from the NAIC Insurance Departments page.
- If anyone does not show as licensed (and appointed, where your state requires it) for that line in that state, talk to your own counsel before you pay them another share.
- Your own attorney or your state Department of Insurance decides what happens next. Not us.
Your part: Check each one with the state, and take any gap to your own counsel.
Phone or email script to your state Department of Insurance licensing division (information request only): "Hello, my name is [YOUR NAME]. I own [AGENCY NAME], agency license number [LICENSE #] in [STATE]. I am checking my own records. Can you confirm whether [PRODUCER NAME], national producer number [NPN], holds an active [LINE OF AUTHORITY] license in [STATE], and whether an appointment with [CARRIER] is on file? I am not filing a complaint — I want to make sure my agency's records are right. What is the best way to get this confirmation in writing?"
Before you pay any new producer or referral partner a share, get their license number and check it with the state first. Re-check every license and appointment at renewal.
What this kit can't decide for you: Licensing, appointment and commission-sharing rules are state law. Whether a share was lawful is a call for the agency's counsel and the state Department of Insurance. We never say it was or wasn't.
That's 1 of 6. The other 5 come the same way in the kit: steps, words to send, a habit to keep each one closed.
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What people in this work look up
When independent insurance agencies go looking for answers, they search things like “insurance agency salary”, “insurance producer license”, “insurance chargebacks” and “insurance agency commission”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 6 places money leaks in this work, where to look first and the words to send to close each one.
What you get for each leak
- Numbered steps to close each leak
- Your part, spelled out
- Words you can use: letters and scripts, ready to send (fill in the brackets)
- A habit that keeps each leak from coming back
- An honest line on what the kit can't decide for you
A page from the kit
Questions people ask
How do I reconcile carrier commission statements?
On direct-bill business the carrier computes your income and no one checks it. The kit shows the line-by-line check.
Are carrier chargebacks taken correctly?
Check chargebacks against actual cancellations. The kit shows how.
Who can I share commission with?
Only someone licensed and appointed where the business was written. The kit flags it.
What it can't decide for you
This kit works from your own records. It doesn't give legal, tax, licensing or financial advice, and it never tells you what to charge. Where a CPA, attorney, insurer or state board makes the call, the kit says so and gets your records ready for them.
11-page PDF · instant download after payment · Code VYR-KIT-POLICY-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
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