Given that life and health insurance coverage commissions are front-loaded, agents generally do not receive a commission after the 3rd policy renewal. Sometimes, captive and independent agents may make contingent commissions, which are incentive-based. Insurer or companies might set specific goals for achieving contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a specific line of insuranceOverall profitability Overall, no matter the type of representative, the higher a representative's book of business, the more commissions he or she makes.

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

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