Given that life and health insurance commissions are front-loaded, agents typically do not receive a commission after the third policy renewal. At times, captive and independent representatives might make contingent commissions, which are incentive-based. Insurance provider or agencies might set particular objectives for achieving contingent commissions, such as: Reaching a particular volume of businessPolicy retentionGrowing a specific line of insuranceOverall success In general, no matter the type of representative, the greater a representative's book of service, the more commissions he or she makes.

Many U.S. states have disclosure laws that need representatives and brokers to supply this details. Some insurance agents may get quarterly, semiannual, or year-end benefits based on their sales efficiency. For captive agents, performance benefits can add up to 20% or more of their income. Independent representatives normally do not get efficiency benefits

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