What does a sale actually pay your producer? Model multi-line tier schedules (the common 3/6/8% pattern), life & health product rates, and monthly volume — free, no signup. Defaults reflect a common captive-agency schedule; every rate is editable to match yours.
Life & health products here pay the product rate when written alongside a multi-line + financial household, and a flat base rate otherwise — mirror of how most captive schedules treat bundling.
We'll email you this breakdown plus our free agency commission-tracking template — the one our own agency used before we built the software.
The full product tracks every sale, split, bonus tier, and lead source automatically — and closes your month for you.
Most captive insurance agencies pay producers a percentage of written premium that steps up with household depth: a monoline auto policy might pay 3%, the same policy in a multi-line household 6%, and 8% when the household also holds a financial-services product. Life and health products typically pay a much higher product-specific rate — often 20% on term life, 30% on permanent life, and 35% on health — when they're part of a bundled household.
The math above is easy for one sale and brutal for a month of them: bundle tiers change retroactively when a household adds a line, bonus tiers depend on issued (not written) counts, and month-end reporting needs issued dates that come in weeks late. That reconciliation is exactly what AgencyTracker Pro automates — commission engine, bonus tiers, activity scoreboard, lead-source ROI, and agency P&L in one place.