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Flat Carrier Table

The Flat Carrier Table is the most common method for calculating carrier commissions. It allows you to define a set commission percentage based on the age of a policy (the Policy Term).

Instead of building complex formulas, you simply enter your percentages into a grid. This ensures your Expected Commission matches what the carrier is likely to pay as a policy matures.

💡 Why Use This

Use a Flat Carrier Table when:

  • Your carrier pays a percentage of premium — Flat tables calculate commission as a percentage of the premium amount.
  • Rates differ between new business and renewals — You can set a higher first-term rate and a lower renewal rate in the same table.
  • The rate steps down over multiple years — You can define up to 10 distinct term ranges for complex step-down schedules.

🗺️ How to Access

  1. Open the Carrier record.
  2. Navigate to the Commission Tables section.
  3. Select Flat as the table type and click Add.

Basic Term Logic

In a Flat Table, the columns represent the Policy Term #.

  • Column 1 — Represents the first year (New Business).
  • Column 2+ — Represents renewals.

Scenario: 15% Initial / 5% Renewal

In this example, the carrier pays a higher percentage for the first term and a lower percentage for all subsequent renewals.

Flat Carrier Table Term 1 and 2

Policy Term Actual Premium Calculation Expected Commission
Term 1 $100.00 $100 x 15% $15.00
Term 2 $100.00 $100 x 5% $5.00

Advanced Term Scaling

You can define up to 10 distinct term ranges if a carrier uses a more complex "step-down" schedule. If a carrier stops paying commission after a certain number of years, enter 0% for the remaining terms.

Example Setup:

  • Term 1 — Pays 120% of premium.
  • Terms 2–4 — Pays 50% of premium.
  • Terms 5–10 — Pays 20% of premium.
  • Term 11+ — No commission is paid.

Advanced Flat Carrier Table Scaling

Key Benefits

  • No Formulas Required — Simply enter the percentage for each term year.
  • Automated Transitions — As you Renew Policies and the Term Number increases, Commission Tracker automatically switches to the next column's percentage.
  • Precise Projections — Helps you identify underpayments by comparing the Expected Commission from the table against the Actual Commission received.

🔧 Troubleshooting

My commission is calculating at the Year 1 rate for a renewal policy. Check the Term # on the Policy Information screen. If the policy was not advanced to Term 2 during the renewal process, the system will continue to use the Column 1 percentage.

The policy has reached Term 11 but I only have 10 columns defined. The system will continue to use the percentage defined in the last available column (Column 10) unless that column is set to 0%.

Need help? Contact support@commission-tracker.com