SymbioSys Commission is a one stop service for Insurers to ensure all types of simple and complex commission contracts can be configured and administered. Over a period, commission has evolved a lot and is paid on various qualitative measurement indicators viz. Assessment Ranking, BSC (Balance Score Card) and Persistency. To meet the desired business objectives of an Insurer and at times the regulatory compliance, the Service ensures that commissions are computed accurately.

SymbioSys Commission has a proven track record and is being used by 14 delighted insurers across 9 countries and launched over 350 unique commission contracts processing over 12 million policies for over 5 million advisors.


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Functional Overview Diagram

SymbioSys Commission Diagram

Business Challenges

  • Ease of defining commission rules on diverse policy and business parameters
  • Ease of defining commission overrides on different hierarchies
  • Ease of administering annualized/indemnity commission
  • Ease of administering chargebacks

Business Drivers

  • Drive distributors behaviour to achieve business goals
  • Curtail fraudulent behaviour
  • Negotiate commission at policy level
  • Reduce commission processing cost
  • Rider based commission


  • Configure commission rules by combination of Products, Riders, Partners/Brokers, Role, Class, Rookie status, premium, comm. etc.
  • Enhance commission for digital sale, STP etc.
  • Use external KPIs such as Persistency, BSC, Assessment Ranking to drive commission
  • Define Chargeback rules for policy events
  • Define overrides for different hierarchies
  • Commission split, negotiable commission, commission in policy currency
  • Wind back and wind forward commission

Business Benefits

  • Attract and motivate distributors thru innovative Commissions
  • Drive business goals thru enhanced commissions
  • Secure high value/large portfolio thru negotiated commission
  • Curtail fraudulent behavior thru commission chargebacks

Case Study

Excellence is not attained in a day! Our teams have worked beyond expectations to attain in-depth knowledge and offer customized solutions to our clients and partners. We carefully analyse our reach and every strategy to stay true to the time.

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