For independent U.S. life insurance agencies
BookInForce — Find the money leaking out of your book
Commission shortfalls. Silent policy lapses. Coverage gaps that should have had reviews. Your in-force book loses thousands every year — and you can't see it because the work of finding it is too painful.
“The Money You’ve Already Earned”
The quiet leak: three places your book loses money
Unworked reviews
In-force policies drift. A review that never happens is renewal revenue, cross-sell, and retention you simply never act on.
Silent lapses
Policies lapse on a schedule you can't see from your inbox. By the time the notice reaches you, the commission and the client are often already gone.
Short-paid commissions
Carrier statements are dense and inconsistent. Underpayments hide in the detail, and without reconciliation no one catches what you're actually owed.
The old way vs. the BookInForce way
Most agencies aren't losing money because their tools are bad — they're losing it because the work is manual, reactive, and scattered. Here's the same job, done differently.
| Old way of managing an in-force book | The BookInForce way |
|---|---|
| Reviews happen only when someone remembers to run them | Your entire in-force book read in one place, with the dated facts on each policy and the record behind them, so nothing depends on remembering |
| You find out a policy lapsed after it's already gone | Early lapse warning surfaces at-risk policies while there's still time to act |
| Carrier statements reconciled by hand, if they're reconciled at all | Expected vs. received commission compared for you, with the gaps flagged and a likely cause |
| Term-to-perm conversion windows slip by unseen | Conversion windows surfaced before they pass, so you can act in time |
| Three disconnected tools and spreadsheets, none of them talking | One book of business, three jobs handled in a single view |
| No record of what was reviewed, flagged, or acted on | A documented trail of what was flagged and what you did about it, kept for your own records |
BookInForce is software, not an insurer, agency, or producer, and it does not provide insurance, legal, tax, or compliance advice. Outputs are illustrative and are reviewed by you before any action is taken. You upload your own exported files; we never request carrier credentials or client health data.
One book of business, three jobs done together
Policy Reviews
See the revenue hiding in the book you already manage.
BookInForce reads your in-force policies and surfaces the dated facts on each one: the last review date, the conversion window, the surrender period, each with the record it came from. You decide which conversations to have.
Lapse Watch
Get warned before a policy lapses, not after.
Lapse signals surface while there is still time. You get the policies carrying a signal and the date it occurred, in date order, with a draft outreach you read before anything is sent.
Commission Recovery
Monitor policy and compensation data for your review.
BookInForce compares expected versus received commission and flags the gaps with a likely cause. When something looks short-paid, it drafts the carrier inquiry — you decide whether to send it.
How it works
Send us your book
You upload your own exported files through Secure Uploads. We never ask for carrier portal passwords or client health data.
We scan it
Your book is checked for review opportunities, lapse risk, and commission gaps.
Get your report
A list of what was found, in date and dollar order, with the reason and the record behind each one.
Decide what to do
The software reports what the records say. What happens after that is your call.
We load your book for you
Not comfortable uploading your file yourself? Our onboarding team can securely load your in-force book for you — no carrier credentials required, no files left in the open.
- ✓ White-glove setup and data import
- ✓ Dedicated onboarding specialist
- ✓ Walk-through of your first results
- ✓ Training on how to use each module
Built on Trust
You're handing us your book. Here's our promise.
You own your data
You can export it anytime and delete it when you leave.
Encrypted & access-controlled
Protected in transit and at rest, on Google Cloud infrastructure.
Never sold, never used to reach your clients
Your book is for your eyes, not ours to monetize.
No carrier passwords
You upload your own files; we never touch your portal logins.
See what your book is leaking
Start with a free scan. No carrier credentials, no obligation.