Since life and health insurance commissions are front-loaded, agents generally don't receive a commission after the 3rd policy renewal. Sometimes, slave and independent representatives may earn contingent commissions, which are incentive-based. Insurance companies or agencies might set certain objectives for achieving contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a particular line of insuranceOverall profitability Overall, no matter the type of representative, the greater an agent's book of company, the more commissions she or he makes.

Many U.S. states have disclosure laws that need agents and brokers to offer this information. Some insurance representatives might receive quarterly, semiannual, or year-end rewards based upon their sales efficiency. For captive agents, performance perks can add up to 20% or more of their income. Independent agents usually do not receive performance perks unless they work

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