CommissionIQ review: pricing, statement matching and producer pay
CommissionIQ checks carrier payments against expected commission and flags what's missing or short. It takes CSV and Excel statements, or pulls them from carrier and FMO portals with your logins.
It is built for agencies and uplines that pay through sub-agencies and FMOs. Solo Agent is $79 a month, and agency plans run from $199 to $349.
- Best for
- Agencies and FMOs that pay sub-agencies and also earn overrides from an upline
- Price
- $79 a month for Solo Agent
- Agency plans
- From $199 a month
- Free trial
- 14 days, no card needed
- Statement intake
- CSV and Excel uploads, or pulls from carrier and FMO portals
- Splits and overrides
- Producer splits from Agency Starter, overrides from Agency Pro
- Producer statements
- PDF or CSV reports by agent, with a producer portal
Our take
CommissionIQ fits an agency or upline that pays producers through sub-agencies and needs overrides worked out. Overrides start on Agency Pro at $349 a month, so an agency that pays overrides needs at least that plan. Solo Agent at $79 covers one agent with no splits.
Check the producer portal, ACH payouts and chargeback handling during the trial. Only its marketing describes them.
Pros
- Published prices and a 14-day trial with no card
- Pulls statements from carrier and FMO portals
- Built for sub-agency and FMO hierarchies
- Month to month, with no setup fee
- Data export from the dashboard
Cons
- Overrides need Agency Pro at $349 a month
- Big price jump from Agency Pro to Enterprise
- Revo CRM is the only CRM partner named
- Portal, ACH and chargeback features are thinly documented
- Data may be deleted 30 days after you cancel
Plans and pricing
| Plan | Billed monthly | Agents | Sub-agencies and FMO links |
|---|---|---|---|
| Solo AgentOne agent | $79 a month | 1 | None |
| Agency StarterSmall agencies | $199 a month | Up to 5 | 2 sub-agencies, 1 FMO |
| Agency ProAgencies that pay overridesFirst plan with overrides | $349 a month | Up to 10 | 5 sub-agencies, 3 FMOs |
| EnterpriseLarger agencies and uplines | $1,399 a month | 25 | 10 sub-agencies, 5 FMOs |
| Enterprise ProUplines that want API and branding | $3,999 a month | 75 | 25 sub-agencies, unlimited FMOs |
| Enterprise EliteLarge uplines with their own brand | From $5,499 a month | Unlimited | Unlimited |
Prices as of October 2026, from mycommissioniq.com/pricing. Yearly billing saves about 17%, so Enterprise is $1,166 and Enterprise Pro $3,332 a month billed yearly.
| Add-on | Price | Plans |
|---|---|---|
| Extra agent | $35 a month | Agency Starter and Pro |
| Extra sub-agency | $69 a month | Agency Starter and Pro |
| Extra FMO or broker link | $45 a month | Agency Starter and Pro |
| Extra insurance line | $29 a month | Solo Agent |
Good to know before you buy
- A sub-agency is an agency below yours whose agents you pay. An FMO link brings in override pay from your upline.
- Field mapping for each carrier starts on Agency Starter, not Solo Agent.
- API access and white-label branding start on Enterprise Pro.
Which plan has it
| Feature | Solo Agent | Agency Starter | Agency Pro | Enterprise |
|---|---|---|---|---|
| Field mapping for each carrier | ||||
| Producer splits | ||||
| Overrides | ||||
| 1099 preparation | ||||
| CRM pipeline sync | ||||
| Phone support | ||||
| One-on-one onboarding |
Enterprise allows 3 hierarchy levels. Enterprise Pro and Enterprise Elite add unlimited levels, API access, white-label branding and custom carrier connections.
Getting started
Start the trial
Sign up for 14 days with no card.
Add agents and sub-agencies
Build your structure from FMO to agency to sub-agency to agent.
Map each carrier once
Upload a statement and match its columns, or give your carrier portal logins so CommissionIQ pulls them.
Review flagged payments
Work the missing and short payments it finds.
CommissionIQ says self-service setup takes under ten minutes. Support runs by email, ticket, phone and WhatsApp, and Enterprise adds one-on-one onboarding.
Statement intake
- File types
- CSV and Excel (XLSX)
- How statements arrive
- Upload them, or give your carrier, FMO or broker portal logins and it pulls them
- Carrier layouts
- UnitedHealthcare, Aetna, Humana, Cigna, BCBS, Mutual of Omaha, Aflac and MetLife are named
- Override pay
- An FMO or broker link brings in override commissions from your upline
Matching and missing payments
CommissionIQ matches carrier payments to expected commission at the policy level. It flags missing and short payments so you can dispute them with the carrier.
Results can be viewed by policy, agent and carrier. Ask which fields it matches on during the trial.
Splits, overrides and hierarchy
Splits and overrides
Producer splits run automatically from Agency Starter. Overrides (pay to an upline on a downline's sale) start on Agency Pro.
Hierarchy
Your structure runs FMO, agency, sub-agency and agent. Enterprise allows 3 levels, and Enterprise Pro and up allow any number.
Producer statements and pay
- Statements
- Commission reports by agent, exported as PDF or CSV
- Producer portal
- CommissionIQ says producers can see live statements in a portal
- Paying producers
- CommissionIQ says it supports scheduled ACH payouts
- 1099s
- Preparation data on Agency Pro and up. You file the forms yourself
Integrations
| Connects to | Type | How | What it does |
|---|---|---|---|
| Revo CRM | CRM | Partner | Works with CommissionIQ, and Revo customers get a discount |
| Carrier, FMO and broker portals | Carriers | Portal login | Pulls commission, policy and producer data with your logins |
CommissionIQ also mentions a built-in CRM app without naming the CRM, so ask which one before you buy.
Reports
View results by carrier, agent, line and period, by day, week, month or year.
Security and access
Who sees what
Agency owners see the sub-agencies and agents below them. Roles control what everyone else sees.
Security
- Encrypted in transit and at rest
- Carrier and FMO logins stored encrypted
- Audit log of changes
Contract and your data
- Term
- Month to month. Enterprise and Enterprise Pro have no long-term contract
- Renewal
- Renews on its own until you cancel
- Canceling
- Any time, in billing settings
- Refunds
- No refunds unless the law requires one
- Your data
- Export it from the dashboard
- After you cancel
- Data is kept for 30 days, then may be deleted
From CommissionIQ's terms and privacy policy, checked October 2026.
CommissionIQ alternatives
- NextCommissionSolo from $133.33 a month billed yearlyUnlimited sub-agent levels with branded statements
- Commission TrackerFrom $67 a monthReads PDF statements and offers a processing service
- AgencyCompFrom $39.95 a monthCheaper for a solo agent, with Medicare templates
- GreenWave CommissionQuote onlyBuilt for uplines, with managed processing
See every option in insurance commission software.
Frequently asked questions
How much does CommissionIQ cost?
Solo Agent is $79 a month, Agency Starter $199 and Agency Pro $349. Enterprise plans run $1,399 and up.
Does CommissionIQ have a free trial?
Yes, 14 days with no card. Enterprise Elite uses a demo instead.
Can CommissionIQ download statements from carriers?
Yes. Give it your carrier, FMO or broker portal logins and it pulls commission data, or upload CSV and Excel files.
Does CommissionIQ handle overrides?
Yes, on Agency Pro and up. An FMO link can also bring in override pay from your upline.
Can CommissionIQ help with 1099s?
It prepares 1099 data on Agency Pro and up. You file the forms yourself.
How we researched this review. We based this review on the pricing, terms and product pages published by CommissionIQ, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan CommissionIQ quit selling or a contract term that reads different now, let us know and send the link to the page where CommissionIQ has it. Somebody here pulls up that page and checks it before we change anything on ours.