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    [ARCHIVED] Spark Help Center (VISIT https://help.sparkadvisors.com/en/)
    Finance & Commissions

    Finance & Commissions

    Getting started

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    Finance & Commissions

    Understand how carriers pay you commissions, how to view any override payments you earn, how to forecast your business, and how to submit marketing receipts.

    Finances at Spark

    We created a quick guide on commissions, receiving payments, and Marketing Co-Ops. You can read through it below.

    Finances at SparkFinances at Spark

    Forecast your business

    Turn your annual goals into measurable daily achievements. Use this business plan to set your goals and track your progress.

    Forecast your business

    Understand your commissions

    Commissions can get complicated, so you’re not alone if you’re feeling lost! Commission amounts may be impacted by the base CMS rate, type of plan, seasonality, beneficiary eligibility, state, and numerous other factors. In this primer, we’ll give you the tools to decipher both street and override commission statements.

    Commissions 101

    View your commissions and overrides

    If you earn override commissions, or Spark pays your commissions directly for specific regional carriers, you can view the statements directly on the platform. View our walkthrough to view commissions and overrides here.

    You can also view you commission statements and payment history directly on your Tipalti Supplier’s Portal by following the instructions in this walkthrough.

    Overrides Calendar

    Managing commissions can be complex—but with Spark’s new Overrides Calendar, understanding where your payments stand has never been easier. Whether you're an Agency Principal or an agent who receives direct street commissions from Spark, this tool offers a clear view into your compensation, payment timing, and audit status—all in one place.

    📈Understanding Your Overrides Calendar

    Understand your available co-op marketing

    Our goal is to make it seamless for you to track and manage your co-op balance. We’ll break down where you can view marketing co-op you have earned, spent, and approved for your downline agents. Learn how to view your available co-op through our walkthrough.

    Submit marketing receipts

    You may have a co-op agreement with your upline or Spark directly. If so, you’ll need to submit receipts for your marketing expenses. You can view our walkthrough to submit marketing receipts directly on our platform here and can also go submit marketing receipts through our reimbursement form here.

    Purchasing a books of business

    If you are an agent or agency considering the purchase of another agent’s book of business, read our guide to understand how you might evaluate and structure the deal.

    Purchasing (or selling) a book of businessPurchasing (or selling) a book of business

    Frequently asked questions

    General Finance

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    How can I reach the Spark Finance team?
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    What/How/When Spark services are billed to agents (includes how to pay invoice).
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    How do I update my banking information for direct deposit of commissions or co-op paid by Spark directly?
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    What do I do if I don't know my password to Tipalti or need an invite to Tipalti?
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    When and how will I receive my 1099 form for tax purposes?

    Commissions

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    What types of commission can agents view on the Spark platform?
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    Are all plans commissionable?
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    When does Spark pay out commissions?
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    How can agents view their commissions on the Spark platform?
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    Where can I find commission schedules for MAPD and PDP plans?
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    How do I submit a commission inquiry?
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    I am not getting paid renewals on old policies that I wrote under old upline. What can I do?
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    As an agency principal (or spouse), what do I do if an agent has stopped renewing their license or passed away?
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    As an agency principal, what happens to override commissions if a street agent departs my agency? If a solicitor (LOA) agent leaves my agency?

    Co-op

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    As an agency principal, how do I control my co-op?
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    I am an individual agent (not an agency principal). Can I receive co-op?
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    What counts as a co-op eligible enrollment?
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    Where can I see the eligible enrollments for co-op?

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    Contracting

    • Finance & Commissions
    • Finances at Spark
    • Forecast your business
    • Understand your commissions
    • View your commissions and overrides
    • Overrides Calendar
    • Understand your available co-op marketing
    • Submit marketing receipts
    • Purchasing a books of business
    • Frequently asked questions
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