Because life and medical insurance commissions are front-loaded, agents normally do not receive a commission after the third policy renewal. Sometimes, hostage and independent agents might earn contingent commissions, which are incentive-based. Insurer or firms may set specific goals for achieving 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 business, the more commissions she or he makes.

Most U.S. states have disclosure laws that need agents and brokers to offer this info. Some insurance coverage representatives might get quarterly, semiannual, or year-end bonuses based on their sales efficiency. For captive representatives, performance rewards can add up to 20% or more of their earnings. Independent representatives normally do not get efficiency bonuses unless they work for an independent

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