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.

Simplify your payment process with a system built for complexity

• 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

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

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.

• Commission Files

Carrier payouts

• Historic Contracts

Hierarchies, levels, etc.

• Optional Reconciliation

Policy Records

• 1 Match

  • 2 Validate
  • 3 Calculate
  • 4 Reconcile (Optional)

• Calculated Commissions

Per agent, per policy

• Commission Statement

Ready for Approval

• Exception Flags

Mismatches surfaced

• 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 resolution

$1M+

In found commissions

Why enterprises choose Kizen

Speed to Value

ROI delivered in 30–90 days. Pre-Trained Agents, AI Applications, & Industry-Specialized FDE teams accelerate value

True Context Technology

Ensure AI Agents have complete context to reason and take appropriate actions

Regulated Enterprise Ready

Secure, observable, scalable, transparent, and compliant

Self-Learning Architecture

Agents learn independently and humans improve their learning, which creates a compounded, and reinforced, self-learning loop

"We started working with Kizen three years ago. Today, we’ve more than doubled our business and nearly tripled our EBITDA with the same team."

COO from one of the largest field marketing organizations in the country.

Measured Impact

• $1.2M

Value generated in 4 months across 3 use cases

• $250K

Lost commissions recovered in 60-day PoC

• <4

Months Implementation time to production

• 220%

ROI in 12 months with a 4.8-month payback period

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.