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The Comp Setup view holds your carrier compensation grids — the rates Spark uses to calculate commission on every sale you log. Your workspace comes pre-loaded with grids for 15+ carriers and 120+ products, all fully editable, so the Sales Log and Dashboard can show real dollar amounts instead of just premium.

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What’s in the Grids

The pre-loaded grids cover the carriers most life insurance producers write — Americo, Mutual of Omaha, Transamerica, Corebridge, American Amicable, Ethos, TruStage, Aetna, Foresters, and more — across Term, Whole Life, IUL, Final Expense, and common riders. Each row in the grid is a carrier + product + age band combination: Carriers pay different rates at different issue ages — final expense products especially — which is why rates are broken out by age band rather than one number per product.

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Contract Levels

Comp grids are organized by contract level, ranging from 145 down to 65. Your workspace has one default comp level, and it drives every commission calculation across Spark.
  • Set your default level in Comp Setup to match your actual carrier contracts
  • You can override the level on an individual sale if a specific policy pays differently
  • If you get a raise, update your default level and new sales calculate at the new rate
If your default comp level doesn’t match your real contracts, every commission number in Spark — sales log, weekly summaries, dashboard, ROI — will be off. Verify it before you log your first sale.

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Advance vs. As-Earned

Most carriers don’t pay your full year-1 commission up front. They advance a portion when the policy issues, then pay the rest as the client makes their monthly payments. Spark models this with a per-carrier split: The default split is 75% advance / 25% as-earned for most carriers. Ethos and TruStage pay instantly and in full, so they’re set to 100% advance / 0% as-earned. You can change the split for any carrier to match your contract.

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How a Commission Is Calculated

When you log a sale, Spark looks up the grid row matching the carrier, product, client age band, and your comp level, then runs the math:
1

Find the rate

A 200/monthfinalexpensepolicyis200/month final expense policy is 2,400 in annual premium. At your comp level, the grid row for that carrier, product, and the client’s age band shows 100%.
2

Calculate full commission

2,400annualpremium×1002,400 annual premium × 100% comp rate = **2,400 full commission**.
3

Apply the advance split

At the standard 75/25 split: 1,800advance∗∗paidupfront,∗∗1,800 advance** paid up front, **600 as-earned over the policy year.
All three numbers are stored on the sale and roll up into your Weekly Summary and Dashboard.

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Editing the Grids

Everything in Comp Setup is editable:
  • Edit any rate — click into a comp % and change it to match your contract
  • Add a carrier or product — if you write something that isn’t pre-loaded, add it with its age bands and rates
  • Change your default level — when your contract level changes
  • Adjust advance splits — per carrier, if yours differ from the defaults
You don’t need to audit all 120+ products on day one. Verify the carriers you actually write, set your default level, and fix other rows as you encounter them.

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Limitations

Two things the comp grids deliberately don’t model:

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FAQs

Spark flags how the rate was found on each sale — exact age-band match, interpolated between bands, or out of range. See the age-check flag in the Sales Log.
Your default level applies workspace-wide, but you can override the level on any individual sale when you log it.
No — the grids come pre-loaded. You only need to confirm your default comp level and spot-check the carriers you write. Your AI agent can also look up comp rates for you conversationally.