35% more agents, 53% more commission volume

Every month our Norwegian client would spend an entire week completing monthly commission calculations for agent statements. While manually extracting sales rows and deal amounts from four different files, completing just one agent could take two hours. We fortunately had the opportunity to work with this Norwegian insurance agency to build Cocentives. Now creating agent statements is only an hour expenditure for the agency. Cocentives completely removed the inevitable monthly bottleneck which is required every month.

When we first talked with this insurance agency in Norway about their desire to increase productivity, I instantly saw that commission calculations were a major bottleneck. What we were presented was a 100+ page PDF file which contained sales records which then the firm leader went through every month to calculate the numbers. This PDF file was one file in a collection of multiple files from different sources which all in the end went into a final agent monthly statement. Then repeat this for all agents. Our rough time spend estimate for their manual methods was a few days, up to a whole week.

We dug in and created a solution which took their entire monthly file collection, analyzed it piece by piece, until the system completed all of the calculations for all agents, giving every agent their statement on time with consistent, automated processing.

The magic of this experience for us is that this problem was completely engineered away through our product. Through iteration, we created a system which in a matter of the sequence: upload, review, store, send, the system end to end took at max 30 minutes to complete an entire month of commission calculations.

This is Cocentives. A tool which does the low level formatting and calculations all for you. The productivity and mental gains of our tool is powerful. Let's walk you through some of the benefits and surprising byproducts that our Norwegian client experienced:

When we first met the Norwegian founder we did a rough estimate of the time one of the leaders spent on the monthly commission reporting alone. As we walked through the numbers, time spent could stack up to a week at peak.

Step by step we located the focus points to where to attack in order to create instant value. Within the first two months we had a demo which did their entire month in one button click.

Once our system was setup and integrated into their business workflows and setup to the leader's preference, monthly commissions now take 30 minutes to do. Best piece is the system requires no intense focus or mind bending in terms of execution. Cocentives instead presents the numbers, stats, and reports, from where you simply have to review and give your "go-ahead" for the system to distribute all reports to the selected agent.

When they started using Cocentives, the agency managed 40 agents and processed 5,021,906 kr in monthly commissions. Today, they manage 54 agents and process 7,686,615 kr in monthly commissions. This represents a 35% increase in agents and a 53% increase in commission volume.

Saving 4-5 days per month (nearly 60 days per year) created capacity for growth. With commission calculations automated, the agency leader could allocate time to recruiting agents and scaling operations instead of manual data processing.

The growth occurred alongside improved accuracy. Every agent received accurate statements on time, and the agency scaled from 40 to 54 agents while maintaining this consistency.

Hours previously spent on formula validation and PDF review are now allocated to high-value work. This is the measurable return: time recovered and converted into business growth.

The manual workflow of sending emails to 30+ agents is alone another major bottleneck. Alone, one email might take 3-5 minutes to compose, attach pdf, and review. That equates into 3+ hours for sending the emails alone. Two things happen: a) every email is worse than it could be, b) every minute spent on emails is not work that compounds in any meaningful way.

Instead with Cocentives we built email right in. Once you have approved the reports and the numbers, all you have to do is add the agent's email once, and hit send. Then every agent receives 1) a consistently clean PDF with all key information stored 2) additional stats and key analytics in a magic link which agents can open if they want to.

Magic link: a magic link is nomenclature for a link which someone can access and open by confirming their identity through inputting a special code, or clicking on a specific link only sent to their email. It is a very effective way to deliver interactive content on the web without the user spending minutes on signing in or registering.

The downstream value generated from Cocentives is more powerful and consistent distribution of reports and of key information. We believe the combination of an agent unique magic link and an attached PDF in the statement email is the perfect balance between cutting edge and more traditional information delivery, helping you deliver modern and beautiful reports, all while keeping things simple for you and agents.

The unique balance of a dynamic magic link, and a permanent PDF helps you deliver content in a dynamic yet easily accessible way. And as the user of the system, you have complete control over what is sent out to agents, and can easily opt out of magic links, or use both. All up to you.

Over the summer we discovered that monthly reporting was not the only reporting bottleneck. Every year, aggregating a single, unified, report for the year is crucial value for agents. It is all about helping agents stay clear on the numbers, and with Cocentives you can easily do that.

Throughout the year, your agents compound a vast collection of sales and records. Keeping track of all of this is time consuming, and is not necessarily a part of your agreement. But out of incentive to keep a strong agent relationship, delivering timely year end reports for all of your agents will help them perform better and stay focused on sales instead of on doing their own tax or compliance maths.

We built Cocentives year end to help our Norwegian customer to deliver year end summary reports to all of their agents. Now once the leader hits "create", year end reports are created for every agent in a matter of under 30 minutes. Best yet, you can hit create, and go for a coffee run, and get an email once the year end reports are ready. It is a set-it-and-forget-it type of tool.

At Cocentives, the purpose of our work is to create technology for people and save your time from repetitive, machine-like work. In a future where technology will create an increasingly more powerful effect on how we all work, this is our life task to give you the best technology available to do your work faster and with less fatigue.

The Cocentives product that launched November 2025 is now widely accessible at the price of $2425 per year. We are excited for you to try out Cocentives Year End, which after thousands of tests and improvements now processes calculations faster than manual methods ever could. You can now let Cocentives take on the work which you have pushed off, and take a step back to think big picture while Cocentives calculates and distributes.

Cocentives Year End is now widely available through this link. Delegate your agent year-end reports to Cocentives. Click Get Started, or Get Demo to talk with our founder Alf Viktor Williamsen.