Sales Channel Management

Overview

I designed a suite of interconnected workflows for managing digital insurance distribution across distributors, agents and products.

The challenge was to make complex relationships and business rules easier to understand and configure, while supporting different organisational structures, permissions and commission arrangements.

Managing the Sales Channel

The Digital Direct sales channel provides a central place for insurers to manage their distribution network and the products available through it. The experience is organised around three key areas: Distributors, Agents and Products, allowing users to move between the organisations and people selling their products and the products available for distribution.

Managing Distributors & Agents

Each distributor has its own structure, commission arrangements and team of agents.

The Overview provides key distributor information, including how commissions are paid and whether commission information is visible to agents.

Within Agents, users can organise agents into teams, manage their status and assign roles such as Manager, Assistant Manager or Agent. These roles determine what information users can access within their respective teams.

The Commissions view provides visibility into commissions earned by the distributor over time, with monthly breakdowns and downloadable statements.

Setting Up Campaigns

Campaigns allow insurers to create promotional codes that provide discounts on selected insurance products for a defined period. I designed the setup flow to make the relationship between the campaign, eligible products and participating distributors clear, allowing users to configure and manage promotions without introducing unnecessary complexity.

Creating Commission Rules

Commission rules define how agents are rewarded for selling an insurance product.

I designed the configuration interface to make potentially complex commission logic easier to understand by structuring inputs so they read almost like a sentence.

For example: Primary Agent's commission (is) 5% of gross premium.

Users can switch between percentage or flat-value commissions and define how the amount should be calculated before attaching the rule to an insurance product.

The goal was to make the underlying business rule understandable at a glance while keeping the configuration process simple.