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We created a quick guide on commissions, receiving payments, and Marketing Co-Ops.
Who pays commissions?
(see here for a list of who pays)
- Street commissions: Generally, paid directly to writing agents by Carrier or to the company the writing agent has assigned their commissions to.
- Override Commissions: Most national carriers pay agencies directly, while others pay the FMO, which distributes commissions to sub-agencies.
When are commissions paid by carriers?
- Street commissions - With few exceptions, carriers typically pay within the month after the plan’s effective date.
- Override commissions - There’s more variation here. Some carriers will pay by the submit date, others by the effective date.
When does Spark pay commissions?
- Spark cannot pay overrides until Spark receives commissions/statements from the carrier.
- Commission payments to the agency may be delayed if Spark is awaiting commission payments or commission statements from the carriers.
- Typically, for carriers where Spark pays overrides, Spark processes commission payments to agencies and agents within five business days of the end of each month.
Where can I access my commission statements?
- For carriers where Spark pays directly, you can access the street and override commission statements on Spark's platform in the Agency View. You can find a walkthrough to access them here.
- For carriers that pay directly, you can access statements on their individual portals.
Tipalti
- Spark uses a system called Tipalti to share commission statements and make payments.
- You can view statements and payment history on your Tipalti Supplier’s Portal by following the instructions in this walkthrough.
- Note: Tipalti access will be granted when Spark is able to pay an agent/agency their first commission payment, typically within a month after the effective date of the first plan written under Spark. Use this walkthrough to complete your setup after receiving access.
Marketing Co-Op
- Only agencies with co-op marketing agreements are eligible to receive co-op reimbursements.
- Follow this walkthrough to view your co-op balances, statements, and reimbursement portal.
- To understand how your co-op is calculated, please refer to this walkthrough.
How to share access
- Agency Principals can share access to their agency finances using the User Management feature.
Additional Resources
- Check out our help center & Commissions 101 guide for a detailed overview
- Email finance@sparkadvisors.com or your account manager for any additional questions
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