Because life and health insurance commissions are front-loaded, agents typically don't get a commission after the third policy renewal. At times, hostage and independent agents might make contingent commissions, which are incentive-based. Insurance provider or agencies might set certain objectives for attaining contingent commissions, such as: Reaching a specific volume of businessPolicy retentionGrowing a certain line of insuranceOverall profitability In general, no matter the kind of agent, the greater a representative's book of business, the more commissions he or she earns.

Many U.S. states have disclosure laws that need representatives and brokers to provide this info. Some insurance representatives may get quarterly, semiannual, or year-end benefits based on their sales efficiency. For captive representatives, efficiency perks can include up to 20% or more of their earnings. Independent representatives normally do not get efficiency bonus offers

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