Claim your directory entry, publish your producer and builder ladders, bulk import rate cards across every carrier, and settle override commissions automatically four levels deep. The whole organization on one billing relationship.
Configure your career path the way your IMO actually runs it. Producer track for sell-only. Builder track for recruit and sell. Each level gets its own carrier rate cards with FYC, renewal, and chargeback windows. Solo agents you assign to a level pick up the synced rates automatically; manual overrides always win when a carrier negotiates direct.
Pick difference-of-levels (the default for most producer ladders) and each upline earns the percentage difference between their level and the writer's. Pick generational instead and each builder-track upline earns an additional flat percent per generation per the rate card's bonus array. The engine snapshots the rate at application date so future rate changes never break old settlements.
When a top producer hits the recruit threshold (or anytime you want), promote them to their own sub-agency. They get their own dashboard, their own invite codes, their own seat count, and they pay their own subscription. You keep the override on everything they write and everything their downline writes. The org chart renders the whole tree recursively.
Built specifically for the level-and-override model. Not adapted from a single-agent CRM.
Five-step onboarding panel walks every new IMO owner through claim, levels, rate cards, override strategy, and first sub-agency. Disappears once done.
CSV upload covers 5,000 cards per shot. Carrier names match case-insensitively, products normalize aliases (FE, final_expense, etc.), duplicates auto-skip on re-import.
Directory entries are reviewed before anyone gets owner rights. Two IMOs can't both claim the same brand.
Update a rate effective next quarter and the new percentage applies to policies issued from that date forward. Old settlements keep their original rate.
Set a recruit threshold (default 5) and producers cross it automatically into their own sub-agency. You keep the override.
Don't see a small regional in the directory? Add it inline from the rate-card dialog. Aliases and substring matches prevent duplicate entries.
Custom pricing, white-glove onboarding, dedicated account team. Most IMOs migrate their full ladder in one afternoon.