Preparing to sell through Nextera Link

Two decisions in a distribution implementation are expensive to reverse: the producer hierarchy and the commission design. Both are calculated against historically, so changing them later means either rewriting history or living with two regimes at once. Almost everything else can still be adjusted.

This page is written for a distribution or sales operations lead.

Nextera Link is a mobile app for agents

What an agent holds is an app on an Android or iOS device, not a web application on a computer. So “navigation path” here means the tabs along the bottom of the screen and the More menu, not a menu down the left of a browser. The same application is also built for the browser and hosted at link.nextera.id, with the same mobile layout.

Before you start

Decisions your organisation must make

1. Which channels launch first, and what each may sell. Tied agents, brokers, direct, affinity — each with its own product set, rules and access. Link itself serves the agency channel, and every product carries a marker for the channel it may be sold through.
2. The producer hierarchy. How producers roll up, and what that hierarchy governs: visibility, management, and override commission. Get this right first; it is the hardest thing to change later. Link uses four levels — Agent, Senior Agent, Unit Manager, Area Manager — with exactly one upline per agent, on top of a Branch and Region structure.
3. Channel conflict rules. When two channels can approach the same customer with the same product, what happens? This is a commercial decision, and the system can only express whatever you decide — usually through lead ownership rules, product eligibility by channel, and territory.
4. Commission design, tested against clawback. First-year and renewal rates, override structure, any bonus or contingent arrangements, and the clawback scale by month of cancellation. Model the clawback cases before signing off the design — clawback has to reach backwards through the hierarchy to recover override as well as direct commission, and that is where designs break. In the application, the result appears as a chargeback inside the commission statement.
5. Lead ownership and ageing rules. Who owns a lead, when ownership lapses, and what happens to an unworked lead. Unowned leads are where pipelines leak.
6. Quote validity and rate versioning. How long a quote stands, and — critically — your requirement to reproduce an old quote exactly after a rate change. In Link, Illustration validity is a system setting that defaults to 30 days from creation, after which the illustration is Expired.

Data you must gather

Input	Typical owner	Why it is needed
Product, Plan and Plan Option definitions with their effective dates	Product management	The catalogue everything else resolves against
Rate tables and the factors they use	Actuarial / pricing	The premium calculation in Illustration
Entry age, sum assured and coverage term limits, and the age rule	Product and compliance	Applied as an Illustration is built, not afterwards
Agent master data with licences, contracts and commission levels	Agency administration	Licences expire; unlicensed selling is a regulatory problem
The hierarchy structure and Branch and Region placements	Distribution management	Visibility, management and override
Commission schedules by product and by level	Finance / distribution	Calculation, statements and payout
The existing pipeline and in-force policies	Sales operations	Opening position and commission continuity
The policy administration interface specification	IT	Where an issued policy goes next

The agent row deserves a specific check: licence expiry dates and contract dates must be real dates, not blanks. A migration that loads agents without them starts the system in a state where nothing can be enforced at all.

For the existing pipeline, Link accepts a bulk lead load from a CSV or XLSX file following the column template provided — name, date of birth, identity, contact, occupation, address, lead type, lead source and lead category. That load is run from the administration side, not from the agent app.

People you need available

• A distribution lead with authority over the hierarchy and channel rules.
• A pricing or actuarial contact for rate tables and their versioning.
• A compliance contact for eligibility, licensing and suitability requirements.
• A commission owner in finance who can sign off the calculation design — including clawback.
• Someone who owns the policy administration interface.

What “done” looks like

Your first cycle is complete when:

1. The Product Catalog in the application holds every product you intend to sell, with its plans, rate tables, eligibility limits and effective dates.
2. Agents are loaded with valid licences and contracts, in the correct hierarchy, and each agent can see their own position at Profile → My Hierarchy.
3. A Lead can be captured, worked through the pipeline statuses, and carried on into an Illustration and then an Application without leaving the app, with the links between records intact.
4. An Application runs through to Issued and its policy appears in Policies.
5. A commission statement for a period reconciles to finance’s expectation, per agent and per level of the hierarchy.
6. A chargeback case reconciles — a cancelled policy correctly recovers direct commission and override.
7. The numbers on the Dashboard and the targets in Productivity are believed by the people whose production they report.

Step 6 is the real test. Commission on new business is straightforward; a chargeback exercises the hierarchy, the timing rules and the reversal path all at once.

Working through it in the product

Device, account and first sign-in

Agent accounts are provisioned by an administrator, not self-registered. What an agent receives is an Agent Code and a Password; both are used on the Sign In page. Besides an Android or iOS device, the first sign-in and every sync need an internet connection.

1. The opening screen offers Get Started and a Sign In link.
2. On Sign In, the agent enters their Agent Code and Password.
3. Once that succeeds, the app offers Set Up Your PIN — a 6-digit PIN for quicker sign-ins afterwards. The step can be skipped with Skip for Now.
4. Devices that support it can use Sign In with Biometric on later sign-ins.
5. A forgotten password is handled by the agent through Forgot Password?, which opens Reset Password — Agent Code and Registered Email, then Send Reset Link.

After the first login, the app pulls reference data down to the device: products with their plans and options, rate tables, code tables, questionnaires, the list of required documents, and the agent’s own profile with their hierarchy, licences and contracts. From then on illustrations can be calculated with no signal.

Finding your way around

The main navigation is the tab bar along the bottom of the screen: Dashboard, Leads, Illustration, Notification and More. The More tab opens a side menu holding the rest:

Menu group	What is in it
Sales Tools	Illustration, Product Catalog
Pipeline	Applications, Policies
Growth	Training, Productivity, Leaderboard
Account	Commission, Reports, Profile, Settings

Logout sits at the foot of the same menu.

One full cycle

The sequence below is the same path an agent walks every day.

1. Create the Lead. The Leads tab → New Lead. An eight-step wizard — Lead, Personal, Identity, Contact, Occupation, Address, Emergency, Review. While its required fields are incomplete the Lead is saved as Draft; once they are filled in it becomes Active.
2. Work that lead. Open Lead Detail, press Log to record an activity and its next follow-up, and move the pipeline status — New, Contacted, Interested, Proposal Sent, Negotiating, then Won or Lost. A lead left untouched long enough ends up Dormant, and that is exactly the information you want.
3. Create the Illustration. From Lead Detail press Illust, so the illustration is recorded against that lead. Or start from the Illustration tab. Its wizard runs to four or five steps — Produk, Pemilik, Konfigurasi, Rider, and Tambahan for products that allow an additional insured. The illustration flow is labelled in Indonesian, so those are the step names an agent sees.
4. Calculate and check. The Hasil Ilustrasi screen shows the premium breakdown — base premium, the premium for each rider, the total annual premium, and the premium per period for the payment mode chosen. At this point the status is Calculated, and the illustration can still be edited.
5. Share it with the customer. From Illustration Detail, the Generate PDF button prepares the file and the Share button opens Share PDF, WhatsApp, Email or Copy Link. The WhatsApp and Email options send a review link the customer can open, ending in an Accept Illustration button. Once it is shared the status becomes Shared, and then Accepted once the customer agrees to it.
6. Create the Application. Only from an Illustration that is already Accepted. Its wizard is Policy Holder, Life Insured, Health, Beneficiaries, Documents and Review — with an extra Funds step for unit-linked products. Once it is sent, the status is Submitted.
7. Signature and payment. The submission flow involves Register Signer — a photo of the signer’s KTP and a selfie — after which the documents are sent out to be signed electronically. The first premium is paid through a virtual account; the VA number can be copied and shared with the customer over WhatsApp or email.
8. Track it through to issue. The Application Tracker shows every stage through to Issued. The issued policy appears in Policies, and the production shows up on the next period’s Commission statement.

Working with no signal

Link keeps its data on the device and synchronises whenever a connection is available. Three things to know before agents go out into the field:

• Document numbers are allocated in advance. The device holds a block of numbers so Illustrations and Applications can still be created offline. If that block runs out before the device syncs, creating new records stops until it reconnects.
• Reference data always loses to the server. Products, plans, rate tables and code tables from the server overwrite the local copies, so no device sells at an old rate.
• Premiums are recalculated on the server. When an illustration syncs, the server recalculates its premium and flags a premium discrepancy where the result differs from what the device sent.

Getting access

Accounts are provided by the product administrator in your organisation. Agents use the Nextera Link app on their own device and sign in with an Agent Code; the browser build of the same application runs at link.nextera.id.

Next

• Insurance distribution concepts
• The Nextera Link module map