Insurance Agency invoicing agency bill invoicing

We are an independent insurance agency. Most of our commissions are paid to us direct by the insurance company.  The insurance company bills the client, collects the full premium, then pays us a commission. We record the commissions as income on our P&L when we receive it.  The issue I am trying to resolve in QB is when we are billing the customer on behalf of the company for the full insurance premium.  This is referred to as agency bill. We need to create an invoice that bills the insured for the full premium but only have the commission portion (which is our actual income) hit our P&L.  We use a trust account when we invoice on behalf of an insurance company and we hold the premium that is due the company in that account until we pay the company.  When we pay the company we retain our commission and that is what we want to show on our P&L as income.  Any suggestions on how to set this up and avoid having to do journal entries who be great.