See where your agency's money is coming from, where it's going, and what's ahead. Real-time cash flow forecasting, premium finance tracking, and revenue projections built specifically for P&C agencies.
Monthly Revenue
$284K
+8.2%
Outstanding Receivables
$62K
-$11K
Cash Flow (30d)
$147K
+$23K
YTD Commission
$1.92M
+12.4%
What it is
Generic accounting tools don't understand commission schedules, contingency bonuses, premium finance installments, or the difference between direct bill and agency bill. Insurstein's financial planning module speaks your language — translating policy transactions into the cash flow and revenue data your agency needs to plan ahead.
Insurance agencies earn revenue through complex, staggered commission structures — new business vs. renewal rates, contingency agreements, override bonuses, and profit sharing. QuickBooks can't model this. Spreadsheets break when you try. You end up guessing at your financial position instead of knowing it.
Insurstein maps every policy's commission structure and payment timing to build a real-time financial picture. You see exactly when commissions will arrive, which receivables are aging, and how your revenue tracks against projections — all updated automatically as policies are written, renewed, or cancelled.
Core capabilities
Project future cash inflows and outflows based on your book of business, renewal timelines, and commission schedules.
The forecast engine models expected commission receipts from pending renewals, scheduled premium finance installments, and anticipated new business. Run best-case, expected, and conservative scenarios to prepare for any outcome.
Monitor every premium finance agreement — payments received, outstanding balances, and upcoming installments.
Each financed policy shows its payment schedule, amounts received to date, and next payment due. Late payments are flagged automatically so your team can follow up before cancellation notices are triggered.
Break down commission revenue by carrier, line of business, and producer to see exactly where your income originates.
Drill into any carrier to see book size, commission rate, revenue earned, and projected future commissions. Compare year-over-year performance and identify which relationships are growing or declining.
View profit and loss statements and balance sheet summaries tailored to insurance agency chart of accounts.
Revenue categories reflect commission types (new business, renewal, contingency, bonus), while expense categories align with agency operations (producer compensation, E&O premiums, technology costs). Reports generate monthly, quarterly, or annually.
Model what-if scenarios — retention rate changes, new producer hires, carrier appointment gains — to see their financial impact.
Adjust key variables and instantly see how they affect revenue projections and cash flow. Use scenarios to make data-backed decisions about growth investments, hiring, and carrier relationships.
Track outstanding commissions and agency-bill premiums with aging buckets and automated follow-up reminders.
See which carriers owe you commissions and how long payments have been outstanding. Aging buckets (current, 30, 60, 90+ days) highlight collection priorities. Automated reminders keep your team on top of past-due balances.
What they don't do
Replace fragile Excel models with live forecasting that updates automatically as your book changes.
Stop manually reconciling commission statements — Insurstein tracks every dollar from policy to deposit.
Move beyond QuickBooks categories that don't fit insurance agencies. Get a chart of accounts that makes sense.
Know your financial position in real time instead of waiting for month-end close to learn how you performed.
Track all premium finance agreements inside your AMS instead of logging into multiple lender portals.
Replace static annual budgets with dynamic projections that evolve as your business does.
What it takes off your plate
Maps each policy's commission structure to project exactly when and how much revenue you'll receive.
Rolls up commission income across all carriers, LOBs, and producers into consolidated financial views.
Matches incoming carrier payments against expected commissions and highlights discrepancies.
Automatically updates projections whenever policies are bound, renewed, cancelled, or modified.
Categorizes outstanding receivables into aging buckets and calculates days outstanding for each balance.
Produces P&L, cash flow, and balance sheet reports on demand or on a scheduled basis.
A day in the life
7:30 AM
Check the Financial Dashboard before the team arrives. Monthly revenue is tracking 8% above forecast. Outstanding receivables dropped by $11K overnight thanks to a carrier payment posting.
10:00 AM
Review the 30-day cash flow forecast before a meeting with your agency's accountant. The projection accounts for 12 upcoming renewals and 3 premium finance installments due this week.
12:00 PM
Drill into Carrier D's homeowners line — revenue is 22% below target. The data shows a retention dip in Q2. Schedule a meeting with your carrier rep to discuss rate competitiveness.
2:30 PM
Model the financial impact of hiring a new commercial lines producer. The scenario shows breakeven at month 8 with conservative assumptions and month 5 with expected performance.
4:00 PM
Three premium finance installments are 5 days past due. The system flagged them this morning — your CSR has already called the clients and confirmed payments are on the way.
Daily impact
Revenue Tracked
Receivables Collected
Forecasts Updated
Reports Generated
Real-time cash flow forecasting, premium finance tracking, and revenue projections — built for the way insurance agencies actually earn and manage money.