Because life and health insurance coverage commissions are front-loaded, agents normally don't receive a commission after the 3rd policy renewal. Sometimes, slave and independent representatives may make contingent commissions, which are incentive-based. Insurance coverage business or companies may set certain goals for achieving contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a particular line of insuranceOverall profitability In general, no matter the kind of agent, the greater a representative's book of business, the more commissions she or he earns.

A lot of U.S. states have disclosure laws that need representatives and brokers to supply this information. Some insurance coverage representatives may get quarterly, semiannual, or year-end rewards based on their sales performance. For captive agents, performance bonus offers can amount to 20% or more of their earnings. Independent agents normally do not

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