TBW wasn't designed from a whiteboard. It was built by people who spent years working inside the health insurance distribution system, and couldn't believe how far behind it was.
Early in our time in the health insurance industry, working under an FMO and learning the distribution side of the business, one thing became immediately clear: this industry was operating like a life insurance IMO from twenty years ago.
There was no cohesion. Carriers didn't talk to each other. Enrollment platforms didn't connect to commission systems. The only way to see your book of business was to log into each carrier individually, and when you're contracted with ten or fifteen or twenty carriers, that's simply not a sustainable way to run a business.
The result was agencies spending enormous amounts of human time every month doing work that should have been automated. Reconciling CSVs manually. Cross-referencing spreadsheets. Chasing missing payments weeks after the fact. Calculating splits by hand. It wasn't a process problem. It was an infrastructure problem, and nothing on the market was actually solving it.
So we decided to build it ourselves. Not as a feature inside a CRM. Not as a bolt-on. As a purpose-built commission operating system for independent health and life insurance agencies, built from the ground up by people who understood the problem from the inside.
"The tools available to independent agencies felt like they were built for a different era. Before multi-carrier contracts, before ACA marketplaces, before agencies were managing hundreds of clients across dozens of carrier relationships."
This was the core observation that led to TBW. The industry had changed dramatically. The software hadn't. Independent agencies were being asked to manage increasingly complex commission structures with tools that weren't designed for the job.
Not by product managers guessing what agencies need. The decisions that make TBW different, the import engine, the split logic, the reconciliation flow, came directly from experiencing the problem firsthand.
Every major CRM that serves insurance agencies treats commissions as a feature. We treat it as the entire product. That difference in priority shows up in every screen, every import, every split calculation.
The number of hours agency owners spend answering "what did I make this month" is staggering. Every agent in TBW has a portal. Every split is visible. Every payment is documented. The answer is always there.
The TBW team combines deep experience inside the health insurance distribution industry with serious software engineering credentials. Built by people who have shipped software at scale before.
The founding vision came from working inside the health insurance distribution system, under an FMO, across multiple carriers, through the full cycle of enrollment seasons and commission reconciliation. We didn't research this problem. We lived it. That context shapes every feature decision TBW makes.
Our development team has worked directly with Fortune 1000 companies, building and improving software that runs their sales operations at scale. The same engineering discipline that goes into enterprise-grade systems is what powers TBW.
Senior members of our engineering team have backgrounds in Field Service Management software, some of the most operationally complex software in enterprise. FSM is fundamentally about managing distributed workforces, tracking productivity, and ensuring accountability at every level. Sound familiar?
Before TBW, we built and sold a sales productivity platform within the D2D industry for managing warm leads, tracking rep activity, and keeping appointment pipelines full across independently run businesses. The problems are the same ones we solve now: giving agencies visibility into their people, their pipeline, and their revenue. We know what it takes to build software that holds up in production and that real teams depend on day to day. TBW first launched in 2021, and continual iteration has brought it to where it is today.
The health insurance distribution system processes hundreds of billions of dollars in premiums annually. The agencies doing that work, recruiting agents, managing relationships, reconciling commissions, are running on tools that don't reflect the scale or complexity of what they do. That's the gap TBW is closing.
If you're running an independent agency and tired of doing commissions the hard way, request access and let's talk.