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Insurance Distribution
Onboard independent agents in days. Pay commissions before they call a competing FMO.
Wingspan gives insurance carriers, FMOs, and MGAs a single platform to onboard LOA agents, reconcile carrier commission statements, net chargebacks automatically, and file 1099-NECs at year-end.
1 system
FinFit Life replaced separate contracting, payment, and tax tools with Wingspan. "Wingspan essentially allowed us to get everything on one system."
Consolidated platform
2 days
FMO operations teams typically spend two full days each month reconciling carrier statements in Excel. Wingspan automates the split-to-payment cycle.
Saved per cycle
100%
Agents see earned commissions, advance offsets, and chargeback deductions line by line before payday. No surprises. No disputes.
Chargeback visibility
Trusted by businesses that run on contingent work
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Calculate splits, net chargebacks, and pay agents in one cycle
Wingspan ingests your commission data from AgencyBloc, a CSV upload, or an API connection and applies per-agent split rules you have already configured. Before disbursement, the platform checks each agent's chargeback ledger — if an agent earned $1,000 in new commissions but carries a $400 chargeback from a lapsed policy, they receive $600.
Negative balances carry forward automatically. Every agent's portal shows the full calculation before payday.
Get agents contracted and pay-eligible in days, not weeks
Wingspan collects everything an LOA agent needs before their first commission: W-9, state producer license, E&O insurance certificate, carrier appointment letter, and AHIP certification for Medicare agents. Agents complete the flow through a self-service portal — no PDF attachments, no email chains, no staff chasing documents.
Wayfinder AI validates E&O coverage limits, expiration dates, and license status automatically. The system enforces the gate so your compliance team does not have to.
File 1099-NECs for your entire agent network without a spreadsheet
Wingspan tracks every commission payment made to every LOA agent through the year and generates 1099-NEC forms automatically at year-end — no manual compilation, no payment reconciliation in January, no mailing individual forms to hundreds of contractors.
Agents access their 1099 documents directly from the same portal where they track payment history. For FMOs managing the misclassification question, Wingspan's structured engagement records, signed contractor agreements, and payment audit trail provide the documentation that supports independent contractor classification.
Track agent licenses and E&O expirations before they become compliance gaps
Every agent in your network carries a state producer license that must stay active and an E&O policy that must stay current. Wingspan monitors license status and E&O expiration dates for every agent in your network.
When a credential approaches expiration, the platform flags it automatically and notifies both the agent and your compliance team. Agents with lapsed credentials are blocked from receiving commission payments until documentation is renewed and verified.
Wingspan essentially allowed us to get everything on one system. It's such a time-saver and has been so much easier to use than our previous workflow.
Operations Leader
FinFit Life
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