Dashboard
earned, at-risk and residual commission across your book at a glance.
v1.1Rebuilt September 2026→
Product ยท insurance
Insurance commission & chargeback tracker
See what you earned, and what could be clawed back.
Insurance Agent HQ
Lifetime access
No subscription
Your data stays local
What's included
Nine screens for a whole book of business.
A full agent workspace in a single HTML file. It opens on a locked-down work laptop: no install, no login, no admin rights.
Pipeline
prospects and applications before they become policies.
Book of Business
every placed policy, with placement rate and persistency.
At-Risk Ledger
policies that could lapse and the commission you'd owe back.
Renewal Radar
renewals and residuals forecast over the next 12 months.
Reconciliation
expected vs. received commission, with what's shorted or missing.
Lead ROI
cost per acquisition and marketing ROI, net of what leads cost you.
Expenses (1099)
log business expenses by category for tax time.
Settings
carrier and comp setup, plus Export/Import to back up your data.
The differentiator
Reconcile the statement and catch what's short.
Carriers get commission wrong, and most agents never notice. The Reconciliation screen puts expected commission next to what was actually received and surfaces exactly what's shorted or missing, so you can go back to the carrier with a number, not a hunch.
Paired with the At-Risk Ledger, you also see the flip side: policies that could lapse and the commission that would be clawed back if they do. You know your real earned number, not the paper one.
A renewal forecast, not a surprise
Renewal Radar projects your residuals over the next 12 months and tracks 13-month persistency, so you can see the income that's actually recurring.
Know what each lead really costs
Lead ROI weighs commission earned against what you spent on leads, showing cost per acquisition and whether a source is worth renewing.
Expenses ready for a 1099
Log business expenses by category through the year so tax time is a matter of exporting, not reconstructing.
Real screens
The book, and what's at risk in it.
Why not the alternatives
No CRM models a chargeback.
Insurance Agent HQ
One file- Cost: $49 once
- Chargeback / at-risk: Built in
- Statement reconciliation: Yes
- Your data: On your machine
- Subscription: None
- Works offline: Yes
A $40-a-month CRM
- ·Cost: $480/year
- ·Chargeback / at-risk: Rarely
- ·Statement reconciliation: No
- ·Your data: On their servers
- ·Subscription: Monthly, forever
- ·Works offline: No
| Insurance Agent HQ | Spreadsheet | $40-a-month CRM | |
|---|---|---|---|
| Cost | $49 once | Free | $480/year |
| Chargeback / at-risk | Built in | Manual | Rarely |
| Statement reconciliation | Yes | Roll your own | No |
| Your data | On your machine | On your machine | On their servers |
| Subscription | None | None | Monthly, forever |
| Works offline | Yes | Usually | No |
Questions
Straight answers.
Not answered here? Ask before you buy. If it is not the right fit I would rather tell you.
Email me a questionDo I need a subscription?
No. One-time purchase, yours forever. There's no recurring charge and nothing expires.
Will it work on my work laptop?
Yes. No install, no login, no admin rights. It opens like any local file.
Do I need Excel or a Google account?
No. It's a self-contained browser app. Nothing else is required.
Where's my data stored?
On your machine only. Nothing is uploaded. Your book of business never leaves the browser you open the file in.
What if I clear my browser or switch computers?
Data lives in that browser's local storage, so clearing it clears the data. Use the built-in Export in Settings to back up, and Import to restore or move to another machine.
Does it connect to my carrier or upload my book?
No. There's no carrier connection and nothing is uploaded. You enter your policies and statement figures, and everything is calculated locally on your machine.
Which lines of business does it cover?
It's built around commissions, chargebacks and renewals rather than any single line, so it works for life, health and P&C agents. You set your own carriers and commission figures.
Can it help at tax time?
The Expenses (1099) screen lets you log business expenses by category through the year, and you can export your data when you need it.
$49
One time. No subscription, ever.
Insurance Agent HQ
Get Insurance Agent HQInstant download. Nothing ships. Have a launch code? Apply it at checkout.