Since life and health insurance commissions are front-loaded, agents usually do not get a commission after the 3rd policy renewal. At times, hostage and independent agents might make contingent commissions, which are incentive-based. Insurer or agencies may set specific objectives for accomplishing contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a certain line of insuranceOverall success Overall, no matter the kind of agent, the higher an agent's book of business, the more commissions he or she makes.

The majority of U.S. states have disclosure laws that require representatives and brokers to supply this info. Some insurance agents may get quarterly, semiannual, or year-end rewards based on their sales performance. For captive representatives, performance rewards can amount to 20% or more of their income. Independent representatives generally do not receive efficiency bonuses unless they work for an independent

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