Enter gross commission for the year, not take-home and not premium. Everything else is built from this number.

Underneath it, four buckets come out before you keep anything: taxes, operating, leads and marketing, and a chargeback reserve. What is left is take-home.

Each row has a % / $ toggle. Operating and Leads default to dollars, because your E&O premium does not rise when you raise your goal. Taxes and reserve default to percentages, because they genuinely scale.

Medicare share of new business, commission per enrollment, and renewal per member. Then your average first-year commission on life and annuity.

Leave the toggle on My estimates for now. After twelve closed cases, switch to Use my actual numbers and it calculates your real mix from what you have placed. It will not pretend before then.

Nothing to enter. Your income goal worked backward into placements, applications, recommendations, conversations and leads worked.

Write down the weekly column. A week is something you can schedule. A year is not.

The longest step and the one that pays off most. Every commission figure in the app comes from here.

• Add a carrier, then add products under it
• Percent of premium for life, flat per enrollment for Medicare
• Use the as earned, no advance toggle for carriers that do not advance
• Hit the green Save product when each one is complete

Under each product is a plain-English line showing what it pays on a sample premium. Check that against a statement you have actually received. If it is wrong here it is wrong everywhere.

Edit Products you write so it matches how you sell. Add carrier portals and quoting tools under Lines of business.

Set your phone and email handoff. For RingCentral, turn on click to dial inside the desktop app, then set it as your system default for TEL and CALLTO.

Then write your scripts. Write the objection responses now, while you are calm. You will not write them well at 2pm with someone on the line.

Opens as a worked example. Click Set up my training to clear it.

Enter your NPN and resident state, your required hours and renewal date, then log courses as you finish them. Add every license and appointment with its renewal date.

The usable window subtracts September onward, because certification season and AEP will take that calendar whether you planned for it or not.

Your entire book lives in one browser on one device. Clearing your cache takes it with you.

Friday afternoon, hit Back up now and drag the file into Google Drive. Ten seconds. Keep the last few rather than overwriting.

Name the household, then add people. Each person has a first name, last name and goes by.

Open an opportunity from the household. Pick the product and carrier, enter the premium, and it tells you what the case is worth if it places.

Import a CSV, map the columns, and tag the batch with a product and source. That tagging is what makes the right script appear when you call.

Filter the table, select what you want, and add it to the call queue. Choose straight through or cycle back, which works a batch then starts again at the top of that batch.

Old leads can be exported for a marketing drip and tagged so you do not blast the same people twice.

Use Log activity after every call, email and text. It creates the follow-up task with a due date so nothing depends on memory.

Check Income weekly and enter what actually landed against each placed policy. Expected versus received is easy. The variance between them is where the money hides.

• No email or calendar sync. It hands off, it cannot read back.
• No sync between devices. Each browser holds its own copy.
• No Sircon or NIPR feed. Licenses and CE are entered by hand.
• No file storage. Documents stay in your carrier portals and Drive.

Most of these need a server. When you outgrow browser storage, that is the conversation to have.