Considering that life and medical insurance commissions are front-loaded, agents typically don't get a commission after the 3rd policy renewal. Sometimes, slave and independent representatives might make contingent commissions, which are incentive-based. Insurer or agencies might set specific goals for attaining contingent commissions, such as: Reaching a particular volume of businessPolicy retentionGrowing a certain line of insuranceOverall profitability Overall, no matter the type of agent, the greater a representative's book of company, the more commissions he or she makes.

The majority of U.S. states have disclosure laws that require agents and brokers to offer this information. Some insurance representatives may get quarterly, semiannual, or year-end benefits based upon their sales performance. For captive representatives, performance perks can include up to 20% or more of their earnings. Independent representatives generally do not get performance

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