Introduction
During the quotation process, users can apply:
Underwriting adjustment
Sales discount
Product commission
Sales commission
Payment discount
The applications are independent of one another and can be done at the Quote Review stage. After inputting the rate, click the Calculator icon to get the figures updated.
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Seamless allows you to refine your quotes with underwriting adjustments, discounts, commissions, and payment options. These can be applied independently at the Quote Review stage to ensure accuracy and flexibility.
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Seamless calculates the premium breakdown by combining various factors to ensure accuracy and transparency. Here’s how it works:
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Certain components (customer discounts, payment discounts, e.g) require specific features and setup. If you need to use these but don’t see them, please reach out to our Support team for assistance. |
Premium breakdown
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Underwriting adjustments allow you to adjust premiums at both the Policy and Cover levels. 
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View underwriting adjustment
Set underwriting adjustment
Sales discount
Note: Fixed-price covers and taxes (e.g., Hussopp) are not affected by underwriting adjustments. |
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Applying Underwriting Adjustment
Underwriting adjustment can be applied on the Policy level and Cover level
You can input the % adjustment in the white box, in the UW adjustment
You can expand to see all the UW adjustment factors on all covers by the button (1) in the image
You can choose the Cover level or Policy level to apply the UW adjustment by the button (2) in the image
You can write down the comment when adjustment premium by the button (3) in the image
Before application
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After application
Please note: “fixed price” cover and Tax aren’t affected by the UW Adjustment (e.g. Hussopp)
Applying Sales Discount
Before application
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After application
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Applying Product Commission
How the product commission be calculated in your quote will be defined in here Product commission configuration
Before application
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After application
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Applying Sales Commission
Before application
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After application
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Applying Payment Options
When you choose the payment option in the quote by clicking on the Edit button, then the payment discount will be applied to your quote as %
The payment option is defined in General tab
The payment option only affects your quote’s premium when the feature Payment Options in Quotes is turned on → if not then it won’t be affected to the premium, and the payment options will be chosen in the shopping cart
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Sales discount allow you to adjust premiums at the Policy level. |
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Product commission
View quote commission
Set quote commission rate
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Sales commission
View sales commission
Set sales commission rate
Note! When choosing the product to create a quote, make sure your organization allows you to apply sales commissions. Please see Organizations for more information
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Payment discount
The feature flag “Payment Options“ and “Payment Options in Quotes“ is turned on (please contact the Contemi support team to turn them on if needed)
 Enter the discount percentage in the Sales discount white box. |
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Please see Promotion discount setup for more information. |
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 To apply a payment discount, select a payment option in the quote by clicking the Edit button.
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Product commission refers to a percentage paid to sales agents, distributors, etc. for selling specific insurance products. It is a predefined rate configured for each product and can also be adjusted per quote if needed. 
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Sales commission is a percentage paid to sales agents, brokers, or distributors as compensation for selling insurance policies. 
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Related articles
Commission setup in Product
Commission setup per Organization
Commission setup per Sales channel
Payment option discount setup in Product