Agent Commission Splits
The Agent Commission Splits system determines how the agency's gross commission is distributed among your agents. Commission Tracker offers two distinct methods for managing these payouts, allowing for both high-level efficiency and policy-level precision.
💡 Why Use This
Every commission payment your agency receives must be allocated — either retained by The House or distributed to agents. Use Agent Commission Splits to:
- Automate agent payouts — Define split rules once at the Carrier Table level and every policy using that table pays agents correctly without manual intervention.
- Handle exceptions — Override the table-level rule for individual policies using a Policy-Specific Split Table.
- Support complex hierarchies — Configure manager overrides, upline commissions, and production-tier-based payouts.
🗺️ How to Access
Agent Commission Splits are configured in two places:
- Carrier Table Level — Open a Carrier Commission Table and navigate to the Agent Splits tab.
- Policy Level — Open a policy and navigate to the Agent Commission Split Table section.
Choose Your Split Method
Selecting the right method depends on whether your splits are standardized across a carrier or unique to a single client.
1. Carrier Table Level (Highly Efficient)
Define splits once on the Carrier Table. Every policy assigned to that table automatically inherits those split rules. This is the recommended approach for the majority of your business.
2. Policy Level (The Exception Rule)
Define a custom split table for one specific policy. Useful for one-off negotiations or mid-term changes.
Advanced Split Configurations
For agencies with more complex hierarchies, Commission Tracker supports several advanced payout structures:
- Agent Levels — Automate payouts based on an agent's rank or production tier.
- Agent Uplines — Automatically calculate overrides for managers or recruiters.
- Multiple Primary Agents (Sharing) — Split the "Primary Agent" portion of a commission between two or more people.
- Manage Levels & Uplines — Detailed instructions on maintaining your agency's hierarchy.
When to Use Which Method
| Scenario | Recommended Method |
|---|---|
| Standard Payouts (e.g., all Blue Cross policies pay 50%) | Carrier Table Splits |
| Standard Overrides (e.g., Manager always gets 5%) | Agent Uplines |
| One-Off Deals (e.g., special 70% split for one VIP client) | Policy-Specific Splits |
| Mid-Term Split Changes | Policy-Specific Splits (using Start Dates) |
What Happens When a Payment is Received
- The system identifies the Carrier Commission Table assigned to the policy.
- It checks if a Policy-Specific Split exists for that payment's billing date.
- If a Policy-Specific split exists, it uses that. If not, it checks for a Carrier Table Split (or Carrier Table Template). If neither exists, 100% of the commission is retained by The House.
- The final calculation is performed and the data is sent to the Agent Commissions Earned report.
🔧 Troubleshooting
I want to use both methods — Carrier Table splits and a Policy-Specific split on the same policy. Yes, this works. If a Policy-Specific Split Table exists for a policy, it overrides the Carrier Table split for that specific policy. All other policies using the same Carrier Table continue to use the table-level rules.
My upline agent is not getting paid. Verify that the upline is correctly linked in the Manage Agent Levels and Uplines screen and that the Carrier Table is configured to use upline logic.
🔗 Related Topics
- Carrier Table Agent Splits — Set up splits at the carrier table level.
- Policy-Specific Agent Commission Split Table — Override splits for individual policies.
- Agent Split Template Manager — Create reusable split templates.
- Manage Agent Levels and Uplines — Configure agent hierarchy for override payouts.
Need help? Contact support@commission-tracker.com