- Support unlimited hierarchy levels with calculations automatically applied from point-in-time rates from each carrier
- Seamlessly manage payouts within a single platform view across all commission types to ensure your unique compensation structures are always accounted for
- Unify expenses with a system that manages marketing allowances, per-app fees, field agreements and internal team comp, while also accounting for chargebacks
Commissions CoPilot
Accurate, Transparent, Fully Automated Commission Processing
Improve producer satisfaction with an end-to-end commissions solution that calculates, validates, and pays every agent accurately from day one.
Trusted by industry leaders to optimize mission-critical business processes.
Commission Management
Simplify your payment process with a system built for complexity
Processing Intelligence
Scale your business with fast and accurate calculations
- Automatically assign and resolve payment discrepancies in bulk, removing guesswork and keeping exceptions from stalling your business
- Easily upload and manage policies with SmartConnectors that link your production and commission feeds directly to policies, contracts, and hierarchies
- Ingest policy data automatically to audit commission history against active contracts, flagging missing agreements or hierarchy gaps before they impact payouts
Compliant & Connected
Reduce risk and agent churn with transparent payment records
- Commission agreements are generated automatically at contracting, ensuring every agent is set up and supported correctly from day one
- Every transaction generates a detailed record for payment summaries by carrier and date range, with full status tracking and a clear audit trail
- Build agent confidence and minimize 1:1 support by publishing payments and statements directly to secure producer portals
Commission accuracy across every agent
Learn how you can automatically calculate, reconcile, and audit commissions using effective-dated contracts and hierarchies.
Commission CoPilot Workflow
How Kizen processes commissions
A simple, end-to-end pipeline from raw carrier data to agent-ready statements.
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Commission Files
Carrier payouts
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Historic Contracts
Hierarchies, levels, etc.
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Optional Reconciliation
Policy Records
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1
Match
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2
Validate
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3
Calculate
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4
Reconcile (Optional)
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Calculated Commissions
Per agent, per policy
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Commission Statement
Ready for Approval
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Exception Flags
Mismatches surfaced
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Agent Portal Visibility
Real time statements access
By the numbers
Spend more time doing what you love by automating what you don’t
95%
Reduction in time spent calculating commissions and delivering statements
80%
Reduction in agent
payment inquiries
5x
Faster dispute
re
solution
$1M+
In found
commissions
Why enterprises choose Kizen
Guardrailed
AI-assisted Configuration
We accelerate sustainable innovation through guardrailed AI-assisted configuration that empowers more 10x engineers.
Closed-Loop
Learning
We accelerate sustainable innovation through guardrailed AI-assisted configuration that empowers more 10x engineers.
Reusable Platform
Accelerators
We deliver the highest ROI through reusable platform accelerators—components that deliver value in days and serve as core building blocks for the highest performing teams.
Zero-Cost Moves Between Model and Cloud Providers
We guarantee lowest total cost of ownership with zero-cost moves between model and cloud providers to keep your long term technology costs under control.
Front Office
Agent CRM
Agency CRM
Contracting CoPilot
Marketer CoPilot
Commissions CoPilot
Agent/Agency Portals
Frequently Asked Questions
What is Commissions CoPilot?
Commissions CoPilot automates commission reconciliation, calculation, and reporting for all brokerage commission types. It integrates directly with Contracting CoPilot to ensure payouts are aligned with current hierarchies and levels.
How does the commissions process work?
Commission files are ingested via SmartConnector or SFTP, processed, matched to contracting and policy data, and applied against carrier payment totals. The system then generates summaries, reconciles exceptions, and distributes secure statements to agents or agencies through the portal.
What commission types are supported?
Standard agent commissions, hierarchy-based overrides, out-of-house payments, marketing reimbursements, and internal variable compensation.
How are exceptions or custom agreements handled?
NMOs can configure carrier-specific or product-specific agreements, set override percentages, and apply business rules by level, state, or submission method. Exception routing ensures items that cannot be auto-processed are flagged for review.
How are commissions tied to policies?
Each transaction is linked directly to its policy record. This allows Kizen to reconcile payments automatically and calculate accurate margins by carrier, product, or downline.
What reporting capabilities exist?
Dashboards and pivot reports show margin, debt, and production across carriers and downlines. Statements are securely emailed and posted to the Agent/Agency Portal.
Ready to power what's possible?
Join the leading insurance organizations using Kizen to transform how work gets done.