Because life and medical insurance commissions are front-loaded, agents usually don't receive a commission after the 3rd policy renewal. Sometimes, slave and independent agents might earn contingent commissions, which are incentive-based. Insurer or firms may set specific objectives for attaining contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a specific line of insuranceOverall profitability Overall, no matter the kind of agent, the greater an agent's book of service, the more commissions he or she earns.

Many U.S. states have disclosure laws that need representatives and brokers to provide this information. Some insurance coverage agents might receive quarterly, semiannual, or year-end benefits based upon their sales efficiency. For captive representatives, efficiency rewards can include up to 20% or more of their income. Independent agents normally do not get efficiency rewards unless they work for an

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