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Now offering Commissions for Carriers

Don't let broken commissions disrupt your business.
Simplify your commission management and become easy to do business with.


Life and Health Insurance Distribution Management System for Carriers

e123 enables forward-thinking carriers who want to scale with fully enabled downline channels. 

  • Removes need for back-and-forth file interchange
  • Provides system for distribution partners to access data
  • Gives you control and visibility into the agent network
  • Manages product access
  • Lets you structure, manage and monitor motivating commission and advancing programs

DMS White Paper download

Check out the Lane Kent insurance innovation podcast!

Scott Goldberg Insurance Innovation podcast

enable innovation
Build great partnerships

Solve problems with Downlines complaining about data quality or accessibility - provide tools and great content - not files.

solves problems
Remove silos, tech bottlenecks and innovation barriers

e123 Enrollment
e123 enables you to integrate with current systems, and combine policies from multiple divisions into a unified enrollment process. Agent and Member enrollment portals with flexible packaging, pricing enable more revenues per agent.

save money
Cost effectively scale downlines

e123 Downline
Designed to manage downlines - enabling you to architect downline chains flexibly.  Provides real-time data to downlines, simplifies commission payments. Enables hiring of the best agents through advancing rules and payments.  Optionally use service providers to administer.

increases profits
Don’t bog down agents with multiple enrollments for a single prospect

e123 Enrollment
Automatically generate combined knock-out questions to simplify the enrollment process and take new members through a single process for multiple policies.

saves time
Build distribution quickly

e123 is designed to handle onboarding of downlines quickly and efficiently.

increases profits
Get more sales per product

e123 Marketplace
Makes it easy for independent FMOs/IMOs and 250K agents to access and sell your policies. Dynamic or static pricing.  Flexible commissioning. Compliant. Just-in-time or ahead-of-time appointment.

reports and helps you understand
Motivate partners to sell the right product mix

e123 Commissions
Set commissions as fixed amounts or percentages at any level of your distribution hierarchy.  Tie payments to particular milestones.  Add advances where it makes business sense.

Grow Quickly with Downline Distribution

As a carrier, you are likely looking to have a mix of inside agents and independent agents/downline channels.  With a Distribution Management System like e123, you can cost-effectively grow distribution with motivated and empowered partners. 

Everything We Do

"We manage everything we do with e123, from cost accounting and invoices to customer relationship management technology, We’ve been able to operate in a fully automated fashion, we’ve simplified our processes and eliminated mistakes."

Jon Karlin
Chief Executive Officer | NEO Insurance Solutions

One System

"e123 gives us a common system for all our employees and clients."

Lauren Becerra-Gongora
Vice President Operations | GlobalBenefit Administration Services


"E123 was instrumental in keeping us alive in 2020... Every customer support call was answered, every payment was collected, and every commission was paid. And it's all because we switched to E123 and were able to make our team home based using a cloud-based system."

Lisa Davis - CEO - SAS - rect
Lisa Davis

Find a fit with your organization

There's no better way than a discussion

Interested in growing distribution? Talk to an e123 expert about how to make your plans a reality.