Straight answers about how TBW works, what setup looks like, and what to expect once you're in.
It depends on the size and complexity of your agency. Smaller agencies can be fully onboarded in just a few hours, importing your first carrier statement, mapping your agents, and getting your splits configured often happens the same day you get access.
Larger agencies with established downlines, multiple MGAs, or sub-agency structures will naturally take longer. Getting hierarchy permissions correct, setting up override logic, and migrating existing data at that scale is a more involved process. We work through it with you directly rather than leaving you to figure it out alone.
Either way, you won't be handed a knowledge base and left on your own. Onboarding is done with us, not by you.
No. You can start with your current month's statements and move forward from there. You don't need to reconstruct years of historical data before TBW becomes useful.
If you do want to bring in historical commission data, TBW can handle that too. But it's not a prerequisite for getting started. Most agencies find it more practical to draw a clean line, start processing new statements through TBW, and import historical data over time if needed.
The basics to get going:
We'll walk through all of this with you during onboarding. You don't need to have everything perfectly organized before we start.
TBW is carrier-agnostic. If a carrier produces a commission statement, TBW can import it. We've built maps for carriers including UnitedHealthcare, Humana, Molina, Anthem BCBS, Cigna, Ambetter, HCSC BCBS, SelectHealth, Oscar, Mutual of Omaha, Devoted Health, Regence, AmeriHealth, and many more across ACA, Medicare, life, and dental lines.
If you work with a carrier we haven't mapped yet, we build the mapping for you during onboarding. You don't need to wait on a carrier integration or an API connection, if they send you a statement, we can work with it.
You upload your carrier statement, typically a CSV or Excel file, and TBW's import engine takes over. It reads the file, matches clients and policies to your existing records, applies your split logic automatically, and flags anything that needs your attention.
The first import from a new carrier takes the most time because we map the column structure once. After that, every subsequent import from that carrier processes in seconds. The mapping is saved permanently.
Discrepancies between what the carrier paid and what you expected are surfaced clearly so you can reconcile them without hunting through a spreadsheet.
Yes. Every agent in TBW has access to their own portal where they can see their commissions, splits, payment history, and client book. They see only their own data, nothing from other agents unless you've explicitly granted broader access.
This alone eliminates most of the "what did I make this month" calls that eat up agency owner time. Agents check their portal instead of calling you.
TBW is purpose-built for commission operations, not client relationship management. It is not a CRM replacement. If you're using a CRM to manage client communications, tasks, and outreach, TBW works alongside it.
That said, TBW does maintain a full client and policy record for every commission it processes, so many agencies find they rely on their CRM less for financial tracking once TBW is in place. The two tools serve different jobs.
TBW is invitation-based access during our current phase. When you're onboarded, we'll discuss commitment structure with you directly based on your agency's size and setup. We're not in the business of locking people into software they don't want to keep using.
If TBW isn't working for your agency, we'd rather know that and fix it than hold you to a contract. Reach out through the request access form and we can discuss what makes sense for your situation.
Growing agencies move up to the next tier. You won't hit a wall mid-month, we'll flag the situation with you before it becomes a problem. The tiers are designed around realistic agency growth stages, not arbitrary caps.
If you're close to a tier boundary, just let us know and we'll work out the transition with you directly.
TBW is currently invitation-based rather than self-serve with a free trial. The reason is practical: getting the most out of TBW requires your carrier maps and split structure to be configured correctly, and that's not something a generic demo account can show you.
When you request access, we walk you through TBW with your actual data and your actual agency structure. That gives you a much clearer picture of what you're getting than a trial with placeholder data would. Request access and we'll set up time to show you the real thing.
Your commission data is yours. TBW operates on a strict role-based access model, each user sees only what their role permits. Agents see their own data. Admins see agency-wide data. Sub-agencies see their own hierarchy. Nobody outside your account sees anything.
We do not sell, share, or analyze your commission data for any purpose other than powering the platform for your account. Commission data is among the most sensitive business data an insurance agency has, and we treat it that way.
It happens, and it's one of the most frustrating parts of managing carrier statements manually. When a carrier changes their format, we update the mapping. You don't rebuild it yourself from scratch.
If an import fails or flags an unexpected format change, our team is notified and we address it quickly. The goal is that a carrier format change is our problem to solve, not yours.
Yes. TBW's hierarchy engine supports unlimited depth, FMO down to MGA, MGA down to sub-agency, sub-agency down to agent. Each level can have its own permissions, its own view of the data, and its own commission structure.
Sub-agencies see their own book and their downline. They do not see data from other branches of your hierarchy unless you've explicitly granted that access. This is what makes TBW genuinely usable at the FMO and MGA level, where most commission tools fall apart.
TBW supports multi-party split logic including overrides, flat dollar splits, percentage splits, and remainder splits all on the same policy. A single commission payment can flow through agent, agency override, quarterly pool, and upline buckets simultaneously, calculated automatically every time a statement is imported.
Override structures for MGAs and FMOs are configured at the hierarchy level, so as agents move or new policies come in, the math happens correctly without manual intervention. You set the rules once and the system applies them.
Request access and we'll answer everything specific to your agency's situation.