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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. Click Carriers in the navigator strip and select the carrier.
  2. Click the Carrier Tables tab.
  3. Pick Flat in the list beside Create New, then click Create New (newer versions: click Create New, pick Flat in the New Carrier Table window, then click Next).

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.
  • Term 2 — Pays 50% of premium.
  • Terms 3–10 — Pays 20% of premium.
  • Terms 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 # in the Premium group of the Policy window (see Commission Source and Premium). 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