Considering that life and health insurance commissions are front-loaded, representatives typically do not get a commission after the 3rd policy renewal. At times, captive and independent agents may make contingent commissions, which are incentive-based. Insurer or companies may set certain goals for attaining contingent commissions, such as: Reaching a particular volume of businessPolicy retentionGrowing a certain line of insuranceOverall success Overall, no matter the kind of representative, the greater a representative's book of company, the more commissions he or she earns.

Many U.S. states have disclosure laws that require representatives and brokers to supply this details. Some insurance agents might receive quarterly, semiannual, or year-end rewards based upon their sales performance. For captive agents, performance bonus offers can amount to 20% or more of their earnings. Independent agents generally do not get performance bonus offers unless

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