Import carrier commission statements, auto-match them to policies, detect missing payments, calculate producer splits, and visualize revenue trends by carrier and line of business.
Revenue This Month
$124,800
+8.4%
Pending Match
14
↓ 6 from last week
Missing Commissions
7
$8,420 est.
Avg Match Confidence
94%
+2%
What it is
An intelligent commission management system that imports carrier statements, matches payments to policies, identifies missing commissions, calculates producer payouts, and tracks revenue trends — replacing the spreadsheets that agencies have relied on for decades.
Upload commission statements from any carrier in CSV or Excel format. Insurstein matches each line item to the corresponding policy in your book using policy number, insured name, and premium amount. Matched items are confirmed instantly. Unmatched items are flagged for review with suggested matches ranked by confidence score, so reconciliation takes minutes instead of days.
Missing commission detection compares your in-force policies against received payments and surfaces gaps. When a policy should be generating commission but no matching payment appears on a carrier statement, Insurstein flags it and provides a pre-formatted carrier inquiry with the policy details. Revenue trend charts break down income by carrier, line of business, and month so agency owners can spot patterns and forecast cash flow.
Core capabilities
Upload carrier commission statements in CSV or Excel for automatic processing.
Carrier statement formats vary widely. Insurstein handles the variations, mapping columns to standard fields regardless of which carrier issued the statement. Upload multiple statements at once during month-end reconciliation.
Commission line items are matched to policies using a confidence scoring system.
Matching uses multiple signals: policy number, named insured, premium amount, effective date, and carrier code. High-confidence matches are accepted automatically. Lower-confidence matches are presented as suggestions for human confirmation, reducing false positives.
Detect policies that should be paying commission but have no matching statement entry.
Insurstein cross-references your in-force policy list against received commission payments. Gaps are flagged as missing commissions with the estimated amount owed based on the policy premium and expected commission rate. A pre-formatted inquiry is available to send to the carrier.
Calculate and track commission splits across multiple producers per policy.
Define split percentages at the policy or client level. When a commission is received and matched, each producer's share is calculated automatically. Payout statements can be generated per producer per pay period.
Visualize commission revenue by carrier, line of business, and time period.
Trend charts show monthly and quarterly revenue patterns across your book. Identify which carriers and lines of business are growing, which are declining, and how overall agency revenue compares to prior periods.
Every auto-match includes a confidence score for transparency and accuracy.
Instead of opaque matching, every matched commission shows exactly why it was matched and how confident the system is. This lets your team prioritize review time on low-confidence matches and trust high-confidence ones.
What they don't do
Matching commission statements to policies in Excel is a multi-day exercise each month, prone to VLOOKUP errors, and nearly impossible to audit after the fact.
Without automated comparison between in-force policies and received payments, missing commissions go unnoticed for months or permanently, directly reducing agency revenue.
Calculating producer splits by hand from commission statements introduces errors, creates disputes, and consumes hours of bookkeeper time every pay cycle.
Storing paper or PDF commission statements in folders with no indexing makes it impossible to audit historical payments or identify trends across carriers.
When commission data lives in accounting software that only the bookkeeper touches, producers and owners have no real-time visibility into how much revenue the agency is generating.
Without trend data by carrier and line of business, agency owners cannot forecast cash flow, identify declining carrier relationships, or plan for growth.
What it takes off your plate
Insurstein automatically maps the columns in each carrier's statement format to standard fields, eliminating manual data formatting before import.
Upload all of your monthly carrier statements at once. Each is processed, matched, and reconciled independently, with results combined into a single dashboard view.
When a commission is matched to a policy with multiple assigned producers, each producer's share is calculated and recorded automatically based on the defined split.
Policies without a corresponding commission payment within the expected timeframe are surfaced as missing, along with the estimated amount and carrier contact information.
For missing commissions, Insurstein generates a pre-formatted inquiry with the policy number, insured name, effective dates, and expected commission amount ready to send to the carrier.
Every matched commission is stored and indexed over time, building a revenue history that powers trend charts, year-over-year comparisons, and carrier performance analysis.
A day in the life
8:00 AM
Download commission statements from 8 carrier portals. Upload all 8 files into Insurstein at once and let the system begin matching.
8:15 AM
The system matched 94% of line items automatically. Open the pending queue and review the 14 unmatched items, confirming suggested matches or manually linking them.
9:00 AM
Seven policies flagged as missing commission payments totaling an estimated $8,420. Review each and send carrier inquiries for the three with the largest balances.
10:30 AM
Run the producer payout report for the month. Review splits, confirm totals, and share individual payout statements with each producer.
2:00 PM
Pull up revenue trend charts for the quarterly agency review. Identify that one carrier's commission volume dropped 22% and flag it for a relationship review.
Daily impact
Statements Processed
Auto-Match Rate
Missing Revenue Found
Reconciliation Time
Import carrier statements, auto-match to policies, and find missing commissions before they become lost revenue.