Automate Life & Annuity Payouts and Reconciliation

Commission Processing Built for Life & Annuity Complexity

Life and annuity agencies deserve better than complicated Excel spreadsheets and failed AMS modules. Fintary delivers automated commission processing that handles complex hierarchies, chargebacks, and trails, helping you achieve 10% monthly revenue growth.

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Are You Still Processing Life Commissions Manually?

You're not alone. But without the right systems, growth gets harder — and agents notice.

Streamlined data visualization

Eliminate chargeback surprises

Zero monthly payment delays

"Since implementing Fintary into our commission workflow, we have saved countless hours by not needing to go line by line on policies, structured everything we expect to receive for easy reconciliation, and added tracking features and data to our financials – all of which we are thrilled with."

Matt McKay, Foundational Income Associates

Fintary Is Purpose-Built for Life & Annuity Distribution

Generic software doesn't understand the nuances of life insurance payouts.

Chargebacks, hierarchy overrides, and advance commissions mean you need deep industry knowledge backed by powerful technology.

Built by insurance professionals who've lived your pain

Handles any product — term, whole, universal, indexed, annuities

Processes chargebacks automatically, protecting margins

Supports unlimited hierarchy levels and split arrangements

Enhance Your Life & Annuity Payout Processes

Fintary simplifies every aspect of your life and annuity commission operations. Here's how we help you grow faster and smarter.

Automated  Commission Calculation

Automate Your Calculations

Design any commission structure imaginable. From simple agent splits to complex multi-level hierarchies with overrides, Fintary handles what breaks other systems. Process advances, trails, and renewals automatically while maintaining perfect accuracy.

Unlimited hierarchy levels and overrides

Automatic trail commission processing

Advanced commission handling

Intelligent Chargeback Management

Protect Your Margins

Stop letting chargebacks eat your margins. Know instantly when policies lapse or cancel, automatically adjust agent payments, and maintain clear audit trails. Protecting your margins gives you room to reinvest in growth.

Real-time chargeback alerts

Automatic payment adjustments

True margin visibility

Custom
Agent Payouts

Accelerate Your Payouts

Give agents what they want — money in pocket ASAP. While competitors process monthly, you'll pay weekly with perfect accuracy. Fast, accurate payouts improve loyalty and help you attract top producers.

Process twice per week instead of monthly

Agent portal with transaction detail

Automated statement generation

Strategic Growth
Intelligence

Unlock Life Intelligence

See beyond gross commissions to true profitability. Track performance by product, carrier, producer, and even source of business. Identify which products and producers drive real growth versus those that just look good on paper.

Net margin analysis

Producer efficiency metrics

Persistency and retention tracking

Revenue and cashflow forecasts

Total Integration with Life & Annuity Systems

We enhance your existing technology, so you keep moving.

Agency Systems

SmartOffice

AgencyOne

InsurancePro

Sagitta

Custom databases

Carrier Connectivity

Direct carrier downloads

iPipeline integration

FireLight connections

Commission statement OCR

Any format processing

Additional Tools

Illustration software

CRM systems

Accounting platforms

Payment processors

The Path to 10% Monthly Growth

Week 1

First reconciliation reveals 3% in missing revenue

Month 1

Launch weekly payouts, agent satisfaction soars

Month 2

Chargeback automation prevents margin erosion

Month 6

Add new products without adding staff

Year 1

10% monthly growth becomes your new normal

Pay Agents Faster, Grow Revenue Faster

80%

reduction in processing time

34%

improvement in gross margins

faster agent payments

50%

reduction in chargeback surprises

Join Life & Annuity Leaders Growing 10% Monthly

Your competitors already pay agents weekly while you're still closing last month's books. Every day you wait is another day of manual processing and missed opportunities.

Schedule Your Strategy Call

Frequently
Asked
Questions

Contact Our Team

Can you handle our complex hierarchy?

Yes. We've yet to meet a hierarchy we couldn't automate. Multi-level overrides, split arrangements, tiered bonuses. If you can explain it, we can build it.

What about our existing AMS commission module?

Fintary integrates with major insurance platforms: Agency Integrator, SmartOffice, OneHQ, Applied Epic, BenefitPoint, Salesforce FSC, plus carrier downloads and payment processors. We also support API connections to contracting & licensing systems, accounting systems, document management platforms, and custom databases. If it has an API, we can likely connect to it.

How do you handle different product types?

From term to indexed universal life to fixed annuities, we support every life and annuity product. Each product can have its own unique commission structure.

Do you process advance commissions?

Absolutely. We handle advances, earned premium tracking, and automatic reconciliation when actuals arrive. Full visibility into your advance position.