CommissionIQ vs AgencyBloc (2026): Which Is Better for Insurance Commission Tracking?
A detailed breakdown of pricing, features, and limitations — with real numbers — to help insurance agents and agencies choose the right platform.
The Short Answer
If you manage commissions across Health, Medicare, Life, Auto, AND P&C — CommissionIQ is the clear choice. AgencyBloc is excellent software, but it was built specifically for health and life insurance agencies and doesn't cover other lines.
If you're a pure health/life agency with fewer than 5 agents and don't need white label or FMO hierarchy features, AgencyBloc may work for you — but you'll pay more per seat as your team grows.
Who This Comparison Is For
- Insurance agency owners comparing platforms
- FMOs and IMOs outgrowing spreadsheets
- Agents paying $109+/user/month and wondering if there's a better option
- Agencies that sell multiple lines of insurance
Pricing: The Biggest Difference
This is where the comparison gets stark.
AgencyBloc Pricing
AgencyBloc charges $109 per user per month for its AMS+ Grow plan. This is a per-seat model — your cost grows every time you add an agent, producer, or staff member.
- For a 10-agent agency: $109 × 10 users = $1,090/month
- For a 20-agent agency: $109 × 20 users = $2,180/month
Important: AgencyBloc's Commissions+ module (the actual commission reconciliation tool) is priced separately on a volume basis. The base AMS+ plan includes basic commission tracking but the full reconciliation suite is an add-on. Email marketing campaigns cost an additional $0.02 per email sent.
CommissionIQ Pricing
CommissionIQ charges a flat monthly rate regardless of how many users you have. See full pricing for details.
- For a 10-agent agency: Agency Pro plan = $349/month (flat rate)
- For a 20-agent agency: Same Agency Pro plan = $349/month (same price, unlimited users up to plan limit)
AgencyBloc: $1,090/month × 12 = $13,080/year
CommissionIQ: $349/month × 12 = $4,188/year
You save: $8,892 per year
Pricing Comparison Table
| CommissionIQ | AgencyBloc | |
|---|---|---|
| Pricing model | Flat rate | Per user/month |
| Solo agent | $79/mo | $109/mo minimum |
| 5-agent agency | $199/mo | $545/mo |
| 10-agent agency | $349/mo | $1,090/mo |
| 25-agent agency | $1,399/mo | $2,725/mo |
| Annual discount | 17% off | Not listed |
| Free trial | 14 days, no CC | Available |
| Commission module | Included | Separate add-on |
| Email campaigns | Included | $0.02/email |
Insurance Lines Covered
This is the most important feature difference.
AgencyBloc: Health and Life Only
AgencyBloc was built exclusively for health, life, and benefits insurance agencies. It is an excellent platform for that use case. But if your agency sells Auto, Homeowners/P&C, Commercial lines, or Dental/Vision as a primary product — AgencyBloc does not track those commissions. You would need a separate tool for those lines, splitting your commission data across two systems.
CommissionIQ: All Insurance Lines
CommissionIQ tracks commissions across every insurance line from one platform:
- ACA / Health Insurance
- Medicare Advantage
- Medicare Supplement
- Part D
- Term Life Insurance
- Whole Life Insurance
- IUL / Indexed Universal Life
- Auto Insurance
- Homeowners / P&C
- Dental & Vision
- Group Benefits
- Commercial Lines
For agencies that cross-sell across multiple lines — which is increasingly common as independent agents diversify their book — CommissionIQ eliminates the need for multiple commission tracking systems.
Feature Comparison
| Feature | CommissionIQ | AgencyBloc |
|---|---|---|
| All insurance lines | ✅ | ❌ Health/Life only |
| Flat rate pricing | ✅ | ❌ Per seat |
| FMO hierarchy | ✅ Full | ✅ Basic |
| Commission splits | ✅ | ✅ |
| Missing payment alerts | ✅ | ✅ |
| CSV reconciliation | ✅ Auto mapping | ✅ |
| White label | ✅ Enterprise Pro+ | ❌ |
| CRM integration | ✅ Native CRM | ❌ |
| Spanish language | ✅ | ❌ English only |
| Mobile app | ✅ | ❌ |
| Sub-agency management | ✅ Unlimited | ✅ Limited |
| Resell capability | ✅ Elite plan | ❌ |
| 14-day free trial | ✅ No CC | ✅ |
| Setup fee | $0 | Varies |
Who AgencyBloc Is Best For
AgencyBloc is genuinely excellent software for the right use case:
- Small-to-medium health and life insurance agencies
- Agencies that need built-in quoting (Quote+)
- Agencies with strong compliance requirements (Medicare SOA, ACA consent forms)
- Agencies that want everything including CRM in one health/life-focused platform
If this describes your agency and you don't mind the per-seat pricing, AgencyBloc is a solid choice.
Who CommissionIQ Is Best For
CommissionIQ is the better choice for:
- Agencies that sell across multiple insurance lines
- Agencies with 5+ agents where per-seat pricing becomes expensive
- FMOs and IMOs managing large producer networks (see Enterprise plans)
- Agencies that want white label capability
- Agencies with a Hispanic client base (Spanish language support)
- Agencies looking for a modern CRM integration
- FMOs that want to resell commission management to their sub-agencies (Enterprise Elite)
The Bottom Line
If your agency is growing and you sell more than just Health and Life, CommissionIQ's flat-rate pricing and all-lines coverage make it the more scalable choice.
If you're a pure health/life shop with fewer than 5 agents and need the compliance-specific features AgencyBloc offers, AgencyBloc may be worth the per-seat cost.
The math is simple: at 10 agents, CommissionIQ saves you $8,892 per year. Start a free 14-day trial or contact our team with questions.
Comparing more platforms? Read our Best Insurance Commission Management Software in 2026 buyer's guide.
Frequently Asked Questions
How much does AgencyBloc cost?
AgencyBloc's AMS+ Grow plan is $109 per user per month. The Commissions+ module is priced separately based on volume, and email marketing campaigns cost an additional $0.02 per email sent.
Is CommissionIQ cheaper than AgencyBloc?
Yes. CommissionIQ uses flat-rate pricing instead of per-seat. A 10-agent agency pays $349/month on CommissionIQ vs $1,090/month on AgencyBloc — a savings of $8,892 per year.
Does AgencyBloc cover all insurance lines?
No. AgencyBloc was built specifically for health, life, and benefits insurance. It does not track commissions for Auto, Homeowners/P&C, or Commercial lines.
What does AgencyBloc not do?
AgencyBloc does not offer white label branding, Spanish language support, a mobile app, multi-line commission tracking beyond Health/Life, or FMO resell capability.
Is there a better alternative to AgencyBloc?
CommissionIQ is the leading alternative for agencies that sell multiple insurance lines or want flat-rate pricing. It covers all 12 insurance lines, supports FMO/IMO hierarchies, and includes white label on Enterprise plans.
Ready to switch to CommissionIQ?
Start your free 14-day trial — no credit card required.