Given that life and health insurance commissions are front-loaded, agents 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. Insurer or companies may set particular objectives for accomplishing contingent commissions, such as: Reaching a particular volume of businessPolicy retentionGrowing a certain line of insuranceOverall profitability In general, no matter the kind of representative, the greater an agent's book of business, the more commissions he or she earns.

Many U.S. states have disclosure laws that need representatives and brokers to supply this details. Some insurance coverage agents may receive quarterly, semiannual, or year-end bonus offers based upon their sales performance. For captive representatives, performance benefits can include up to 20% or more of their income. Independent agents typically do not receive

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