Since life and health insurance commissions are front-loaded, representatives normally do not receive a commission after the 3rd policy renewal. At times, captive and independent agents may earn contingent commissions, which are incentive-based. Insurer or agencies might set specific objectives for attaining contingent commissions, such as: Reaching a particular volume of businessPolicy retentionGrowing a specific line of insuranceOverall profitability In general, no matter the type of representative, the higher a representative's book of business, the more commissions she or he earns.

Most U.S. states have disclosure laws that need agents and brokers to supply this info. Some insurance agents may get quarterly, semiannual, or year-end rewards based on their sales performance. For captive agents, efficiency perks can amount to 20% or more of their earnings. Independent representatives normally do not receive performance rewards unless they work for

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