> ## Documentation Index
> Fetch the complete documentation index at: https://docs.runspark.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# Commission Tracking
> Carrier comp grids, contract levels, and the math behind every commission Spark calculates
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](/insurance/sales-log) and [Dashboard](/insurance/dashboard) can show real dollar amounts instead of just premium.
## 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:
| Column | What it means |
| -------- | -------------------------------------------------------------------------- |
| Carrier | The insurance carrier (e.g., Americo, Mutual of Omaha) |
| Product | The specific product or rider (e.g., a term product, a final expense plan) |
| Age band | The client age range the rate applies to (e.g., 40–59, 60–80, 81–85) |
| Comp % | Your year-1 commission percentage for that 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.
## 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.
## 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:
| Amount | Definition |
| ------------------- | ---------------------------------------------------------- |
| **Full commission** | Annual premium × your comp % — the total year-1 commission |
| **Advance** | The portion paid up front when the policy issues |
| **As-earned** | The remainder, paid out over the year as premiums draft |
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.
## 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:
A $200/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%**.
$2,400 annual premium × 100% comp rate = **$2,400 full commission\*\*.
At the standard 75/25 split: **$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](/insurance/activity-tracking) and [Dashboard](/insurance/dashboard).
## 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.
## Limitations
Two things the comp grids deliberately don't model:
| Limitation | What it means |
| ---------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- |
| Year-1 commission only | Renewal commissions (year 2+) aren't tracked — every number in Spark is first-year comp |
| Workspace-wide rates | Grids apply to the whole workspace; there are no per-rep rate overrides. Each producer should run their own workspace with their own levels |
## 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](/insurance/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.
## Related
* [Sales Log](/insurance/sales-log) — where commission calculations actually happen
* [Appointment Outcomes](/insurance/appointment-outcomes) — the workflow that creates most sales
* [Insurance Dashboard](/insurance/dashboard) — where commission rolls up