The Insurance Agents Fix Kit
Built for insurance agents (captive and independent).
Insurance agents search commission rates, captive versus independent, and chargebacks. The money leaks between the sale and the statement: advanced commissions pulled back when a policy lapses, renewals that stop or never post, a commission schedule nobody checks against the statement, agency expenses that eat a captive agent's check, a statutory employee box nobody noticed, and taxes no one withheld. I wrote this kit so you can check each one against your own contracts and commission statements.
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The 8 leaks it covers
2 you can close it · 4 the other side owes it · 2 a pro decides
- Advanced commissions charged back when policies lapseWhere to look first: Find the chargeback terms in your carrier or agency contract: which months are covered, and whether the chargeback is full or prorated.Keep it from coming back: Ask for the pending-lapse report every week and call those clients.The other side owes it
- Renewal commissions that stop or never postWhere to look first: List your in-force book: policy, carrier, renewal date and the renewal rate in your schedule.Keep it from coming back: Keep your book in a spreadsheet with renewal dates and check each month.The other side owes it
- Commission rates in the schedule never compared to the statementWhere to look first: Get the current commission schedule for each carrier and line.Keep it from coming back: Run the ten-policy check every quarter.The other side owes it
- Agency expenses eating a captive agent's checkWhere to look first: List every cost of running your agency for 12 months: rent, staff, lead programs, technology fees charged by the carrier, marketing, licensing.Keep it from coming back: Review lead spend per policy every quarter.You can close it
- Statutory employee box missed on the W-2Where to look first: Check box 13 on your W-2 for 'statutory employee'.Keep it from coming back: Check box 13 every year when the W-2 arrives.A pro decides
- Contingent and bonus commissions never trackedWhere to look first: Find every bonus, contingency or profit-sharing program in your contracts: what it measures, the period, and the payout date.Keep it from coming back: Update your bonus tracker monthly.The other side owes it
- License, continuing education and E&O costs never plannedWhere to look first: List license renewals by state and line, CE hours due, appointment fees you pay, and your errors and omissions premium.Keep it from coming back: Review the calendar every January.You can close it
- Self-employment tax not set aside on 1099 commissionsWhere to look first: Independent agents paid on a 1099 generally owe self-employment tax of 15.3% on net earnings once they reach $400 (VERIFIED: IRS).Keep it from coming back: Move the tax share the day each commission deposit lands.A pro decides
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 8 exactly as it appears in the kit, so you can see what you get before you buy.
Advanced commissions charged back when policies lapse
The other side owes it- Find the chargeback terms in your carrier or agency contract: which months are covered, and whether the chargeback is full or prorated.
- Pull the last six months of commission statements. List every chargeback with policy number, client and lapse date.
- For each, check whether the policy actually lapsed, was reinstated, or was replaced with the same carrier.
- Ask the carrier for lapse notices early so you can contact clients before the policy terminates.
- Dispute any chargeback on a policy that was reinstated or is still in force.
Your part: Reconcile chargebacks monthly and work the lapse list.
Email to carrier commissions: Hello, My statement dated [DATE] shows a chargeback of [AMOUNT] on policy [#] for [CLIENT]. My records show the policy was [REINSTATED / STILL IN FORCE / REPLACED] on [DATE]. Please review and reverse, or send the lapse record. [YOUR NAME] | Agent # [#]
Ask for the pending-lapse report every week and call those clients.
What this kit can't decide for you: Your contract decides chargeback terms. An attorney can review a dispute.
That's 1 of 8. The other 7 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 insurance agents (captive and independent) go looking for answers, they search things like “insurance agent commission”, “captive insurance agent”, “insurance agent chargeback” and “insurance agent salary”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 8 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
Advanced commissions charged back when policies lapse: where do I start?
Start here: Find the chargeback terms in your carrier or agency contract: which months are covered, and whether the chargeback is full or prorated. To keep it from coming back: Ask for the pending-lapse report every week and call those clients.
Renewal commissions that stop or never post: where do I start?
Start here: List your in-force book: policy, carrier, renewal date and the renewal rate in your schedule. To keep it from coming back: Keep your book in a spreadsheet with renewal dates and check each month.
Commission rates in the schedule never compared to the statement: where do I start?
Start here: Get the current commission schedule for each carrier and line. To keep it from coming back: Run the ten-policy check every quarter.
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.
14-page PDF · instant download after payment · Code VYR-KIT-INSURANCE-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
Next step
- Run your free LeakReceipts check — it reads your own receipts and records and shows where money is leaking out, line by line.
- TrueNET — the whole-picture money truth: what you actually keep after every cost, across everything you earn and spend.
Use Jobber or Housecall Pro? Run the free leak check — it reads your job export in your browser and shows the money leaks the software doesn't flag. Nothing is uploaded.