I'm a Smart Choice Agent, how do I get my commissions?

Last Updated 11/4/2026

As a Smart Choice agent, your commission is paid through Smart Choice. Cover Whale releases the commission to Smart Choice, and Smart Choice then pays you. Here's how the process works:

1. The policy or endorsement binds. Once all documents are signed and the insured makes the down payment, the policy or endorsement binds automatically.
2. Cover Whale receives funding from the premium finance company. If the policy is financed, the premium finance company sends the remaining balance to Cover Whale, usually within about 15 days of the policy or endorsement effective date.
3. The submission is reviewed for commission release. In the month after all funding is received, and as long as the submission is in good standing, it is reviewed for commission release. Commissions are then released to Smart Choice on or around the 8th business day of the month.
4. Smart Choice pays your commission. Smart Choice releases the commission to you on the following 1st or 15th of the month.

For questions about when or how Smart Choice pays your commission, contact Smart Choice at smartchoiceagents.com.