Insurance Agency Management Software

Agency management software built around your book of business, not Applied Epic's data model

Most independent agencies run their back office on Applied Epic, EZLynx, or a patchwork of spreadsheets bolted onto whichever AMS they started with. Policy data sits in one place, billing in another, and commission reconciliation happens in Excel because the platform's built-in reports don't match how the agency actually splits producer pay. We build a purpose-built agency management system around your agency's real policy, billing, and commission workflow, instead of forcing that workflow into an incumbent's template.

  • Policy management across every carrier your agency writes with

  • Billing and invoicing that matches how your agency actually bills clients

  • Commission tracking built around your agency's real producer splits

  • Fixed-cost delivery, scoped up front, with source code ownership

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See our work

The problem

Sound familiar?

  • Your team exporting Applied Epic or EZLynx reports into Excel every month because the built-in commission reports don't match how your agency actually splits producer pay?

  • Paying per-user license fees for an AMS that still can't handle your agency's carrier mix or billing structure without manual workarounds?

Short answer

Insurance agency management software, often called an AMS, is the back-office system an insurance agency uses to manage policies, billing, commission tracking, and carrier connections across every line it writes. Independent agencies and brokerages buy it to replace manual reconciliation and per-user licensing on platforms like Applied Epic or EZLynx. RaftLabs builds custom agency management systems for agencies whose commission structure or carrier mix has outgrown an off-the-shelf template. A focused MVP covering policy management, billing, and commission tracking typically runs $30,000-$70,000 over 14-18 weeks; a full build adding workflow automation and carrier connections runs $70,000-$130,000 over 18-22 weeks, at a fixed cost.

Key takeaways

  • Agencies outgrow Applied Epic and EZLynx's rigid data model as they add carriers, product lines, and producer splits the template wasn't built to handle.
  • Commission tracking is the most common reason agencies look at custom software: their split structure doesn't map to what a standard AMS report shows.
  • Per-user seat pricing on incumbent platforms gets more expensive as an agency grows headcount, with no way to pay only for the workflows the agency actually uses.
  • A full build with policy management, billing, commission tracking, and carrier connections typically takes 18-22 weeks at a fixed, agreed cost.

Trusted by

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Insurance agency management software delivery, by the numbers

products shipped
100+
cost delivery
Fixed
week delivery cycles
14-22

Reconciliation shouldn't be a monthly Excel project

This is not a client-facing quoting or servicing portal, that's a separate product. Insurance agency management software is the back-office operating system your agency runs on: every policy across every carrier, billing and invoicing, commission tracking against your agency's real producer splits, workflow automation, and the carrier connections that keep policy data current. An agent portal, if your agency has one, plugs into this system, it doesn't replace it. We build the operating system underneath, sized to your agency's actual structure instead of a template built for every agency at once.

Capabilities

What we build

  • 01
    Policy management across every carrier

    Every policy your agency writes tracked in one place, regardless of which carrier or MGA it's placed with, replacing the mix of AMS records and spreadsheets agencies default to when the incumbent platform doesn't fit.

  • 02
    Billing and invoicing

    Agency bill and direct bill handled the way your agency actually bills clients, with payment tracking and aging built around your process instead of a generic invoicing module.

  • 03
    Commission tracking and reconciliation

    Commission logic built around your agency's real split structure, tiered splits, overrides, and agency bill versus direct bill, so producers can reconcile what they're owed without a spreadsheet.

  • 04
    Workflow automation

    Renewal reminders, policy servicing tasks, and follow-ups automated around your agency's process, so nothing depends on someone remembering to check a spreadsheet.

  • 05
    Carrier connections and data feeds

    Download feeds and integrations with the carriers your agency places business with, scoped during discovery, keeping policy and billing data current without manual re-entry.

  • 06
    Reporting built around how your agency runs

    Production, retention, and commission reporting built around the numbers your agency actually reviews, not a fixed report template.

How we work

From workflow mapping to live software

  1. Weeks 1-3
    01

    Discovery and workflow mapping

    We map your agency's policy workflow, billing process, commission structure, and carrier mix. You leave with a written scope and a fixed-price quote.

  2. Weeks 3-6
    02

    Data architecture and integration design

    We design the policy and commission data model and the carrier integration layer, matched to your agency's actual structure rather than a generic AMS schema.

  3. Weeks 6-18
    03

    Build in two-week sprints

    You review working software at each sprint. Policy management, billing, and commission tracking are built and tested incrementally.

  4. Final 3-4 weeks
    04

    Testing and rollout

    The system runs against real policy and commission data so your team can validate reconciliation before producers depend on it.

Why us

Why agencies choose RaftLabs

  • 01
    Senior engineers build what they scope

    The engineers who map your commission structure and carrier mix also build the system. No offshore handoff after the contract is signed.

  • 02
    Fixed price before development starts

    We scope the work, calculate the cost, and lock it in writing before any development starts.

  • 03
    Founded 2015, 100+ products shipped

    A track record building financial back-office systems that handle policy, billing, and commission data with the reconciliation accuracy agencies depend on.

  • 04
    You own the source code

    No per-user licensing and no vendor lock-in after delivery. The codebase, and everything built into it, is yours.

Have an insurance agency management software project?

Tell us how your agency tracks policies, billing, and commissions today, and where the incumbent platform stops fitting. We'll scope a fixed-cost build.

What clients say

What clients say about working with us

Three-year average engagement. Founders and operators describing the work in their own words. No marketing varnish.

Amer Abu Khajil
Amer Abu Khajil
Canada flagCanada
Founder, Peak Studios & Perceptional

I found RaftLabs to be the perfect partner for Perceptional, with their expertise in helping startup founders build MVPs, a free consultation, a prototype that matched my vision, and their unwavering support.

01 / 06

Insurance Agency Management Software, scoped in one call.

Tell us what's broken. Within one business day you get a straight take on cost, timeline, and the right first step. No deck, no pressure.

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Frequently asked questions

Insurance agency management software, often called an AMS, is the system an insurance agency uses to manage policies, billing, and commissions across every carrier it places business with. It replaces manual reconciliation and spreadsheet tracking with a single system built around the agency's actual workflow.

Yes. Commission structures vary agency to agency: tiered splits, override arrangements, agency bill versus direct bill, and a standard AMS report often can't reproduce them. We build the commission logic around your agency's real split structure during discovery, so reconciliation matches what producers are actually owed.

Yes. We scope which carrier download feeds and integrations matter most to your agency during discovery, then build the connections that keep policy and billing data current without manual re-entry.

A focused MVP covering policy management, billing, and commission tracking typically runs $30,000-$70,000 and takes 14-18 weeks. A full build adding workflow automation and carrier connections runs $70,000-$130,000 over 18-22 weeks. We scope a fixed cost after discovery.

Applied Epic and EZLynx are strong, established platforms for agencies whose policy, billing, and commission workflow fits their standard model. Custom software makes sense once your agency's commission structure, carrier mix, or billing process has outgrown what the template supports, or once per-user licensing costs work against you as you add headcount. We help assess the right fit during discovery.

Work with us

Tell us what you need. We'll tell you what it would take.

We scope Insurance Agency Management Software in 30 minutes. You walk away with a clear cost, timeline, and approach. No commitment required.

  • Scope and cost agreed before work starts. No surprises. No obligation.
  • Working prototype within 3 weeks of kickoff.
  • Pay by milestone. You see progress before each invoice.
  • 60-day post-launch warranty. Bug fixes, UI tweaks, and deployment support. No retainer.
  • All conversations are NDA-protected.