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Field notes

Notes from the commission mines.

Plain-language writing about insurance commissions: how the money moves, where it leaks, and how to get it back. The jokes are free; the dollar figures are played straight.

Buying guideSeptember 25, 2026· 5 min read

Insurance commission reconciliation software: a buyer’s guide for independent agencies

Compare spreadsheets, agency management systems, and dedicated commission reconciliation tools. Use a practical checklist and a worked P&C example to evaluate fit.

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P&C reconciliationSeptember 7, 2026· 5 min read

How to reconcile P&C carrier commission statements

A practical P&C commission reconciliation checklist with a worked $170 example: check statement totals, contract rates, adjustments, and evidence for carrier follow-up.

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ChargebacksJune 11, 2026· 3 min read

The phantom chargeback: a ghost story

A chargeback with no matching original commission is the most common spooky line item on an insurance commission statement. What phantom chargebacks are, why they happen, and how to dispute one with documentation.

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How-toJune 11, 2026· 4 min read

How to reconcile an insurance commission statement

A practical, step-by-step process for reconciling carrier commission statements: what to check on every line, the seven discrepancies worth money, and when a spreadsheet stops being enough.

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Field notesJune 11, 2026· 4 min read

Eight ways carriers underpay you, ranked by audacity

The eight commission discrepancies that show up on real insurance statements, ranked from honest rounding to phantom clawback, with the fix for each one.

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