Key takeaways
- Premium due follows the mode, not a memory.
- Balance and status follow the receipts.
- Commission is computed per policy from the product rate.
- Renewals appear sixty days before they lapse.
An insurance agent is paid for persistence, not for sales alone. A policy that lapses because nobody called the client sixty days before expiry costs the agency the renewal and often the client. Yet most small agency offices track renewals in a diary and premiums in a folder of receipts. PolisiDesk PH keeps clients, products, policies, payments and claims as connected rows so that the renewal list and the outstanding balance are computed rather than remembered.
Let the payment mode set the amount due
A policy carries an annual premium and a mode. Annual takes the whole figure, semi-annual halves it, quarterly divides by four, and monthly by twelve.
That means the amount a client actually owes this term is a column, not a mental calculation done differently by whoever answers the phone.
Balance follows the receipts
Every premium payment is recorded against the policy it settles. Paid accumulates, balance falls, and the status reads Unpaid, Partial or Paid without anyone setting it.
An agent looking at the policies sheet can see in one pass which clients are behind, which is the conversation that keeps a policy in force.
Know the commission per policy
Each product carries its own commission rate, so commission is premium due multiplied by that rate. A motor policy at fifteen percent and a health plan at twelve are computed the same way without a separate schedule.
Commission releases are recorded separately, which keeps what was earned distinct from what the insurer has actually paid out.
Never miss a renewal again
Days to expiry counts from today. The renewal check reads Expired below zero, Renew soon within sixty days, and Current above that.
The client ledger rolls this up per client and flags Action needed, so a single call can cover every policy that household holds.
Review exceptions every week
Resolve duplicate IDs, missing links, overdue balances, negative amounts, and open operational items in CHECKS before using the dashboard for decisions.
PolisiDesk PH Microsoft Excel Edition is designed for Microsoft Excel 2019 or newer on Windows or macOS.
No connection to any insurer, underwriting or policy administration system, no quotation or premium rating engine, no official receipt or premium remittance to the insurer, no claims adjudication, and no commission statement reconciliation with the insurer's own report.
Frequently asked questions
Does it compute the premium for a new quote?
No. It records the annual premium the insurer quoted. There is no rating engine, and no connection to any insurer's system.
Can one client hold several policies?
Yes. The client ledger totals all their policies and flags the whole household when any one of them is due for renewal.
Does it reconcile my commission statement?
It records commission earned per policy and commission actually released, so you can compare them. It does not import the insurer's statement.
Does this replace official records?
No. No connection to any insurer, underwriting or policy administration system, no quotation or premium rating engine, no official receipt or premium remittance to the insurer, no claims adjudication, and no commission statement reconciliation with the insurer's own report.
