Since life and health insurance coverage commissions are front-loaded, agents normally do not receive a commission after the 3rd policy renewal. At times, slave and independent agents might earn contingent commissions, which are incentive-based. Insurance provider or companies may set specific goals for accomplishing contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a particular 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.

The majority of U.S. states have disclosure laws that require representatives and brokers to offer this information. Some insurance agents may get quarterly, semiannual, or year-end benefits based on their sales performance. For captive representatives, performance bonuses can add up to 20% or more of their earnings. Independent representatives normally do not receive

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