Multi-carrier commission management tool that handles commission rules across LIC, public health insurers, private health insurers, motor insurers, general insurers, life insurers and crop insurers - each with its own rate card, slab structure and payout schedule. Auto-calculate, reconcile against insurer payout sheets and produce audit-ready MIS in one tool.
Below is the multi-carrier commission management. Same dashboard, same Mobile app, same data — whether you are renewing a Mumbai motor policy or a Patna mediclaim from a small-town office.
Insurer-wise commission report — one tap, no Excel.
Each insurer has different rates, different slabs, different payout cycles. Across 8-15 insurers and 5 product lines, the rate matrix is unmanageable in Excel.
Configure each insurer's commission rate card once - product line, slab, override per agent grade. New policies auto-pick the right rate from the right card.
Many insurers pay tiered commission: more on first-year premium, less on renewal, override above a volume threshold. Agenex handles all slab logic natively.
Insurers pay weekly, monthly or quarterly - sometimes mixed by product. Track which insurer pays when, and what is outstanding from each.
Upload insurer payout sheet, Agenex matches against expected commission per policy. Mismatches flagged for follow-up. End-of-quarter peace of mind.
Volume bonus, target achievement override, festival incentive - configure rules per insurer per quarter, all rolled into the agent's MIS automatically.
Across multi-carrier work, sub-agent commissions need separate split logic per carrier. Agenex layers sub-agent splits on top of multi-carrier rules cleanly.
Create your Agenex account in 60 seconds. No credit card. First 10 policy entries and 5 RC checks are free.
Upload your Excel sheet, or paste from a notebook - Agenex turns notebook scribbles into a searchable client database.
Turn on multi-carrier commission management tool in one click. WhatsApp, SMS, payment links and reports start flowing automatically.
Multi-carrier commission management tool means handling 8-15 insurers, each with different commission philosophies. LIC pays installment-based commission for life policies. Health insurers pay first-year vs renewal differently. Motor insurers split OD and TP commission separately. General insurers have line-specific slabs (fire, marine, transit). Some insurers also pay quarterly volume bonuses, festival incentives or target overrides. The complexity multiplies fast.
Agenex models each insurer as a structured rate-card object. Product lines are nested: motor has OD and TP, health has individual and family, life has installments. Slabs are tiered: 0-5 lakh annual premium gets X%, 5-10 lakh gets Y%, above 10 lakh gets Z%. Overrides are configurable: volume bonuses, target hits, special promotional periods. New policies pick the right rate by walking the rate-card tree at policy entry. Renewals re-walk the tree using current-year rates.
At end-of-quarter or end-of-month, you upload the insurer's actual payout sheet. Agenex matches each line against expected commission, flags mismatches with reason codes (rate change, slab boundary, missing record), and produces a chase list of outstanding amounts. This reconciliation feature alone is worth the cost for agencies above Rs.20 lakh annual commission - it surfaces 1-3% of earned commission that the insurer has not paid yet, recoverable with a polite follow-up email.
multi-carrier commission management tool - Agenex is built specifically for this use case in the Indian insurance market and is fully ready for the 2026 agent workflow.
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Available in Hindi, Marathi, Tamil, Telugu, Bengali, Gujarati, Punjabi, Kannada, Malayalam - beema agent ke liye best app, sasta insurance management software, mobile se insurance record kaise rakhe.
Unlimited - we have agencies with 25+ active insurer rate cards. Each rate card has unlimited product lines and unlimited slab tiers. The configuration is a one-time setup; after that, new policies auto-pick the right rate and you only update when the insurer revises rates.
Yes - rate cards support agent-grade overrides. A senior agent might have a higher commission rate with the same insurer than a junior agent due to volume tier. Agenex handles this with a per-agent override layer on top of the base rate card.
Mismatches surface in a Disputes queue with reason code: rate-change, slab-boundary, missing-record, etc. Each disputed line can be marked under-investigation, with notes and supporting documents attached. The dispute queue gives you a clean audit trail when chasing the insurer for unpaid commission.
Agenex powers the full daily workflow of an Indian insurance agent. Below is a typical day - and the Agenex modules that handle each step.
Open the dashboard. Today's renewal list is ready - sorted by client priority, premium, RTO. Vehicle multi-expiry shows Insurance, PUC, Fitness, Tax, Permits, CNG and Meter all at once.
One tap fires WhatsApp messages to today's expiring clients. Each message goes in the customer's own language - Hindi, Marathi, Tamil, Telugu, Bengali, Gujarati, Punjabi, Kannada, Malayalam or English.
9 AM auto-sends birthday WhatsApp to clients in their preferred language. You don't lift a finger. Clients feel remembered. Renewal trust grows.
New lead walks in with a vehicle. Type the RC number - in 5 seconds Vahan returns owner, fitness, insurance status and pending e-challans. Rs.5 per check.
Issue a motor, health, life or general policy - add it in 30 seconds with all expiry, premium, commission fields. Document vault uploads policy PDF.
Sub-agent commissions auto-split at every renewal. End-of-week, monthly statements ready per sub-agent. No more month-end disputes.
Update partial premium collection. Customer ledger shows credit/debit, outstanding receivables. Other Income/Expense tracked. Downloadable invoice ready for your CA.
All type of reports auto-fill with today's calls, follow-ups, policies issued, commission earned. Tomorrow's renewal list builds itself overnight. Offline mode keeps you working in low-network zones.
One click: monthly commission report by insurer, line, sub-agent. Renewal ratio, lapsed policies, recovered policies. Email auto-sends to your CA on the 1st.
Below is the full software stack used by Indian insurance agents on every Agenex plan from Rs.999/year onwards.
Unlimited client profiles with vehicle, health, life and policy history. Searchable by name, phone, RC, policy number. Family linking for joint households.
One vehicle entry tracks Insurance + PUC + Fitness + Tax + National Permit + State Permit + CNG Cylinder + Meter expiry, with auto WhatsApp reminders for each.
Vahan-integrated RC verification (Lite for basic, Pro for full owner/engine/chassis) plus pending e-challan check in 5 seconds at Rs.5 per check.
Auto-calculate insurer-wise and customer-wise commission for LIC, motor, health, general, life - per policy, per month, per agent. Sub-agent splits handled automatically.
Auto WhatsApp reminders for vehicle expiry (Insurance, PUC, Fitness, Tax, Permit, CNG, Meter), policy renewals and birthdays in 10 Indian languages - included free.
Health policy portfolio tracker with cashless hospital network, sum insured, NCB, family floater, top-ups and claim status (CRN, TPA, settlement timeline).
LIC and life policy management with premium installment tracking, paid-up/lapsed status, nominee mapping, maturity benefit alerts and bonus records.
Home, shop, fire, travel, marine, transit, cargo, crop, cattle and pet insurance - portfolio tracker for every line of business with renewal and claim management.
DL records database with expiry tracking, issue-pending and photo-pending alerts, expired licence reports - essential for RTO consultants and motor agents.
Secure cloud locker for RC photos, fitness certificates, permits, tax receipts, PUC certificates, CNG cylinder docs, KYC, policy PDFs - AES-256 encrypted with daily backup.
Customer-wise credit/debit ledger, partial payments, receivables, Other Income/Expense tracking and Tally export.
Insurer-wise payout reports, company-wise transactions, payout reconciliation - downloadable Excel/PDF, monthly settlement statements.
Onboard sub-agents with role-based view permissions, auto commission split, monthly statements per sub-agent, leaderboard for healthy competition.
Multiple offices, one dashboard. Manage staff with role-based access (vahan_view, rc_check_view, customer_view, payout_view). 2 free employee accounts.
All type of reports - commission report, due payments, follow-up, income, payment collections, reminder, top companies, upcoming insurance, vehicle CRM - all built-in.
To-do work module with task chats, plus Saathi community chat for connecting with other Indian insurance agents and getting peer support.
Personal branded mini-website per agent - share quotes, capture leads, click-to-call - included on every plan, no extra hosting cost.
Wallet transactions, yearly subscription management, refer-and-earn passbook, banner display - built-in monetization helpers.
No credit card. First 10 policy entries and 5 RC checks completely free. No commitment.
Excel import wizard maps your existing spreadsheet columns to Agenex fields. Or scan paper diary pages with OCR. Free assisted migration for first 200 policies.
One tap turns on auto-WhatsApp reminders. 30/15/7/1 day cadence. 10 languages. From this point, no renewal ever falls through.
Onboard sub-agents with their commission %. Auto-split at every renewal. Each sub-agent sees only their own clients with role-based access.
All type of reports auto-fill with daily activity. Schedule monthly commission MIS to email your CA on the 1st. Day-end summary shows tomorrow's priority.
From solo agents starting fresh to established agencies with sub-agent networks - Agenex scales with you.
Up to 150 policies. Vehicle + Health + Life + General. RC Lite + Challan. WhatsApp reminders 10 languages. Free Mobile app + free agent website. 2 employee accounts.
Up to 800 policies. Everything in Silver plus RC Pro, sub-agent network (5 sub-agents), priority support, advanced reports, customer ledger, accounting.
Up to 1,500 policies. Everything in Gold plus unlimited sub-agents, branch management, premium accounting (Our Account list), bulk import-export tools.
Up to 3,000 policies. Everything in Diamond plus white-label options, API access, dedicated success manager, custom training, branch consolidated reports.
Active across all 28 states
Policies tracked end-to-end
Indian languages WhatsApp + UI
Cities and states with local content
"Excel cannot send WhatsApp reminders, verify RC, calculate commission, or backup your data. Agenex does all four - in 10 Indian languages."
No credit card. Setup in 5 minutes. Plans from Rs.999/year.
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