Considering that life and health insurance commissions are front-loaded, representatives normally do not receive a commission after the third policy renewal. At times, hostage and independent representatives might make contingent commissions, which are incentive-based. Insurance provider or firms might set particular goals for attaining contingent commissions, such as: Reaching a specific volume of businessPolicy retentionGrowing a specific line of insuranceOverall profitability Overall, no matter the type of representative, the higher a representative's book of organization, the more commissions he or she earns.

Many U.S. states have disclosure laws that require agents and brokers to offer this information. Some insurance agents may receive quarterly, semiannual, or year-end benefits based on their sales performance. For captive representatives, performance bonus offers can amount to 20% or more of their earnings. Independent agents typically do not

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