Compensation
How TMRW partner brokers get paid.
No platform fee. Standard carrier commission economics. Real-time dashboard visibility. Transparent payment timelines.
The short version
TMRW Benefits broker partners are paid through standard carrier commission economics — not through a TMRW-imposed platform fee. Each carrier sets its own commission schedule for major medical, ancillary, supplemental, and lifestyle products, typically as a percentage of premium for medical and a flat or percentage commission for non-medical. Partner brokers see commission earnings in real time on the broker dashboard at brokerexchanges.com, separate from any later official commission statements from carriers.
The model
Three principles. No surprises.
Carriers pay commissions, not TMRW
TMRW operates as the appointed agency-of-record across multiple carriers. When a partner broker writes business through the TMRW platform, the carrier pays TMRW per its standard commission schedule, and TMRW splits with the partner broker per the agreed partnership terms.
No platform fee
Partner brokers don't pay TMRW a SaaS fee, licensing fee, per-seat fee, or any platform-access cost. The economics are pure commission split — no fee skimmed before the split.
Standard carrier rates
Major medical commission rates vary by carrier and state, generally 3-8% of annual premium (sometimes paid as a flat per-member-per-month). Ancillary and supplemental commissions vary by product type. Lifestyle products typically pay flat commissions or revenue share.
What you see on the dashboard
Real-time, broken down four ways.
Pending commissions
Written but not yet paid by carriers. Visible immediately as enrollments process.
Earned commissions
Paid by carriers in the current month. Reconciled against expected amounts.
YTD earnings
Year-to-date totals broken down by product line and client group.
Carrier breakdowns
See which carriers are driving your commissions. Spot product-mix shifts as they happen.
This is meaningfully different from waiting 30–60 days for an official statement and trying to reconcile across carriers manually.
Payment timeline
Carrier pays TMRW. TMRW pays you.
- ·Carrier issues commission per their standard schedule (typically monthly; some quarterly)
- ·TMRW receives the commission and pays partner broker per the agreed split
- ·Partner broker payment is typically issued within 5 business days of TMRW receiving carrier payment
- ·Direct deposit (ACH) is standard. Banking details collected during onboarding.
What you don't pay
Six fees you won't see on a TMRW partnership invoice.
- ✕No platform / SaaS fee
- ✕No per-client fee
- ✕No per-member fee
- ✕No transaction fee on enrolled members
- ✕No marketing fee or co-op fee
- ✕No exclusivity buyout
FAQ
Frequently asked questions
How is the commission split set?
The split is set during the partnership application, tailored to your states and product mix. The structure is: carrier pays TMRW per the standard carrier commission schedule, then TMRW splits with the partner broker per the agreed partnership terms. There is no SaaS fee, per-seat fee, or platform-access fee taken out before commissions hit you.
Are commissions guaranteed or contingent?
Commissions are paid by the carrier per their standard schedule, contingent on the policy remaining in force and premiums being paid. If a client cancels mid-year, commission for the canceled period is typically charged back per the carrier's policy. This is standard insurance broker commission economics — TMRW doesn't add additional contingencies.
Can the split change?
The split is established by written partnership agreement and doesn't change without mutual agreement. If TMRW changes carrier-side commission economics in a way that affects partner brokers, you're notified in writing with at least 60 days' notice. Most changes happen at carrier-driven schedule updates, not TMRW-driven shifts.
What happens if a client cancels mid-year?
Standard carrier chargeback policies apply. If a client cancels coverage mid-year, the carrier typically charges back unearned commission. TMRW passes the chargeback through to the partner broker per the same schedule. Specific chargeback windows vary by carrier and product type.
How are residual commissions handled if I leave the platform?
If you leave the TMRW partnership, residual commissions on policies you wrote through TMRW typically continue to be paid per the original commission schedule, as long as the policies remain in force. Specifics depend on each carrier's broker agreement terms — confirmed during application.
Want the actual grid?
The grid is tailored to your states and product mix.
Apply to start the partnership conversation. The full commission grid is shared during the application, with no obligation to proceed.