The Nextera Link module map
Nextera Link is a mobile app for agents. Its modules are reached by two routes only: the tab bar along the bottom of the screen — Dashboard, Leads, Illustration, Notification, More — and the More menu, which opens the rest in four groups: Sales Tools, Pipeline, Growth and Account.
Two of them, Product Catalog and Profile, are what everything else resolves against: the first decides what may be sold and at what rate, the second states who is selling and under whom. The rest are where the daily work happens.
If any term here is unfamiliar, read Insurance distribution concepts first.
Dashboard
Section titled “Dashboard”The first screen after signing in — a summary of production and the policies falling due.
Purpose. Answering “what do I have to chase today?” before the agent opens anything else. The Overview section shows Total Policy Due, Utilize, % Utilized, Monthly Policy Due, Premium Collection and Visits/Day, followed by a Recent Policies list.
How to open it. The Dashboard tab.
Watch for. The My Agent / All Agent selector. The same number can mean an agent’s own production or the whole downline’s, and that difference of reading is the most common source of arguments about reporting.
Capture, assign and progress leads so nothing stalls between first contact and a bound policy.
Purpose. Ownership and momentum. Every lead has an owner and a next action, which is what stops pipelines leaking between first contact and submission.
How to open it. The Leads tab. A new lead is created through New Lead, an eight-step wizard — Lead, Personal, Identity, Contact, Occupation, Address, Emergency, Review.
The main record. Lead, with two statuses running side by side. The pipeline status states the position in the funnel — New, Contacted, Interested, Proposal Sent, Negotiating, Won, Lost, Dormant — and the agent moves it themselves from Lead Detail. Alongside it, the data completeness status reads Draft while required fields are incomplete and Active once they are filled in.
What gets recorded in it. Activity through the Log button — activity type, notes, date, and the next follow-up. It is that follow-up date that brings a lead back as work rather than letting it settle into a list of names.
Watch for. Leads with no next action, and leads that have slipped to Dormant, are the two states worth checking regularly. Both are invisible in a conversion report and obvious in a time-in-stage report.
Product Catalog
Section titled “Product Catalog”Hold the sellable products, plans, options and eligibility limits every illustration draws on.
Purpose. The single definition of what may be sold. It runs three deep — Product, then Plan for base plans and riders, then Plan Option — and each Plan points at the rate table that prices it.
How to open it. More → Sales Tools → Product Catalog. There is a search and a category filter, then Product Detail for each product. The same catalogue appears again at the first step of the Illustration wizard, where the agent picks a category and then a product.
Depends on. Nothing — it is the foundation. Change it and every illustration after it changes too.
Watch for. The catalogue is read from the agent app, not edited; it is maintained from the administration side. And watch the effective dates: a product has an effective date, a termination date and a version number, while a rate table has an effective date and version of its own. An illustration issued under last quarter’s rates has to remain defensible after a rate change.
Illustration
Section titled “Illustration”Calculate premium and benefits for one prospective customer, consistently with the catalogue and the rate tables.
Purpose. Turning a described risk into a price, using the catalogue’s rate tables and eligibility limits, so that the same risk gets the same answer whichever agent asked. This is the module other markets call quotation.
How to open it. The Illustration tab, or from Lead Detail through the Illust button, so the illustration is recorded against that lead. 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.
The main record. Illustration, with statuses Draft → Calculated → Shared → Accepted → Converted, plus Cancelled and Expired.
What is required and what is calculated. Required: the policy owner and the insured with their dates of birth and gender, the product and plan, the sum assured, and the payment mode. Calculated by the system: the base premium, the premium for each rider, the total annual premium, and the premium per period. Carried through to the Application: the originating illustration, together with the product and plan already chosen.
Output. The Hasil Ilustrasi screen for the premium breakdown, then from Illustration Detail the Generate PDF button for the file and the Share button to send it — Share PDF, WhatsApp, Email or Copy Link. The last two send a review link ending in an Accept Illustration button for the customer, and sending it moves the status to Shared.
Watch for. Eligibility limits are enforced here, as the illustration is built, even with no signal — an entry age outside the product’s range or a sum assured outside its limits blocks the next step. Note too that the status only moves forward: an illustration can be edited while it is Draft or Calculated, deleted only while it is Draft, and once it is Shared the way back is Cancelled, not Draft. If you need a variant, copy the illustration rather than reversing its status. Its validity follows a system setting, 30 days by default.
Applications
Section titled “Applications”Move each submission along a defined path from e-application to issued policy.
Purpose. The defined stages a submission passes through, so everyone reads the same position and nothing is left in an ambiguous state. This is Link’s sales workflow.
How to open it. More → Pipeline → Applications. A new Application can only be created from an Illustration that is already Accepted.
The main record. Application, with fifteen statuses. What the Application Tracker shows as the normal path is Draft, Submitted, Awaiting Registration, Awaiting Document, Under Review, UW Required, Awaiting Payment, Submitted to Carrier, and Issued. The rest are branches: UW Approved, UW Declined, Payment Received, Rejected, Expired, Cancelled.
Who moves what. The agent moves Draft to Submitted. After that other people move the status — the operations team at Under Review, an underwriter at UW Required, payment confirmation at Awaiting Payment, and the carrier’s system through to Issued. For the agent, this module is something to watch rather than something to change.
The steps you fill in. Policy Holder, Life Insured, Health, Beneficiaries, Documents and Review; unit-linked products add a Funds step for fund allocation. The flow also involves Register Signer — a photo of the signer’s KTP and a selfie — for the electronic signature, and payment of the first premium through a virtual account whose number can be shared with the customer.
Depends on. Illustration upstream; it produces the Policy that Commission is calculated against.
Watch for. Cancellation is only available while an Application is Draft or Submitted. Past that point, corrections are no longer the app’s business. Watch time in stage too: it is usually more actionable than conversion rate — conversion tells you that you lost, time in stage tells you where.
Policies
Section titled “Policies”The list of issued policies and their detail.
Purpose. Seeing what is actually on risk — policy holder, insured, product, sum assured, premium, the issue and inception dates, and the next premium due date.
How to open it. More → Pipeline → Policies.
The main record. Policy, with statuses Active, Lapsed, Cancelled, Surrendered, Matured and Terminated. Its detail carries the attached riders and the premium payment frequency.
Watch for. It is the status in this module that triggers the consequences in Commission. A policy that lapses or is cancelled within a defined period ends in a chargeback, and that shows up on the statement, not here.
Commission
Section titled “Commission”A monthly statement per agent, from calculation to payment, chargebacks included.
Purpose. Showing what an agent has earned and where it came from, so that “why is the number this?” can be answered from the screen rather than from a spreadsheet.
How to open it. More → Account → Commission, or through Profile → Commission Statements.
The main record. Commission Statement, one per agent per month — gross total, subtotals for FYC, Renewal, Override and Bonus, tax, total chargebacks, and net total — with a status of Pending, Confirmed or Paid. Inside it, each row points at one policy along with its annualized premium, commission type, rate and amount; Persistency appears as a type in its own right too.
Output. Download Statement PDF on the statement detail.
Depends on. Product Catalog for the rates per product, the agent hierarchy for the override path, and Applications and Policies for what was actually issued.
Watch for. Chargeback — this is what clawback is called in Link. Each chargeback is recorded on its own with a policy number, an amount, a reason and a date, then appears in the statement summary as a deduction headed Chargebacks against the net total for the current period. Test any commission design against chargeback before signing it off: it usually runs on a sliding scale by month of cancellation and has to reach backwards through the hierarchy to recover override as well as direct commission.
Training
Section titled “Training”Courses, modules, quizzes and certificates for agent development.
Purpose. Keeping agents fit to sell — product knowledge, sales skills, compliance and soft skills — with evidence of completion that can be kept.
How to open it. More → Growth → Training.
The main record. Course together with the agent’s enrolment, with a status of Not Started, In Progress or Completed. Course content is text modules, video, PDF, or a Quiz with multiple-choice and true-or-false questions.
Output. Certificates, downloadable as PDFs.
Watch for. Training overlaps with licensing. What decides whether an agent may sell is their licence and contract in Profile, not a course certificate here.
Productivity and Leaderboard
Section titled “Productivity and Leaderboard”Targets per period, sales contests, and rankings.
Purpose. Stating targets and achievement in the same numbers commission uses, so there are never two versions of the truth.
How to open it. More → Growth → Productivity for targets and Sales Contests, and More → Growth → Leaderboard for the rankings.
The main record. Target, one per agent per month, with AP (annualized premium), Policy Count, FYC, Lead Conversion and Persistency as its metrics, each showing a target value and an achieved value. Contests carry a status of Active, Upcoming or Past, and are ranked on AP, Policy Count, FYC or Recruitments.
Watch for. The contest metric drives behaviour. A contest ranked on Policy Count produces a different book from one ranked on AP, and both differ again from one that takes persistency into account.
Notifications and Profile
Section titled “Notifications and Profile”Status notifications and announcements, and the agent’s own details.
Notifications has a tab of its own along the bottom of the screen and carries both status-change notices and announcements broadcast to agents. It can be filtered by category — System, Lead, Application, Commission, Training, Contest, E-Signature, Payment and License — and the category also tells you which module is waiting on you.
Profile — More → Account → Profile — carries the agent’s details and three things that are needed often: Licensing & Certificates, holding licences with their number, issue date, expiry date and status; My Hierarchy, showing UPLINE, YOU and DOWNLINE as a tree; and Commission Statements, which opens the Commission module. Logout sits at the foot of the menu. The PIN and Sign In with Biometric are set up at first sign-in, not from Profile.
Watch for. The hierarchy is the hardest thing to change later, because commission history is calculated against it. Moves are recorded with an effective date and a reason for the change, but the expensive part is not the recording — it is explaining the old periods to the person whose commission moved with them.