Given that life and health insurance commissions are front-loaded, representatives typically don't receive a commission after the 3rd policy renewal. Sometimes, hostage and independent agents might earn contingent commissions, which are incentive-based. Insurer or agencies may set particular objectives for attaining contingent commissions, such as: Reaching a particular volume of businessPolicy retentionGrowing a certain line of insuranceOverall success In general, no matter the type of agent, the greater an agent's book of business, the more commissions she or he earns.

Many U.S. states have disclosure laws that need agents and brokers to provide this details. Some insurance coverage representatives might get quarterly, semiannual, or year-end bonuses based upon their sales efficiency. For captive representatives, efficiency benefits can amount to 20% or more of their income. Independent agents normally do not receive efficiency bonuses unless they

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