Considering that life and medical insurance commissions are front-loaded, representatives normally do not get a commission after the third policy renewal. Sometimes, slave and independent representatives may make contingent commissions, which are incentive-based. Insurer or firms may set specific goals for attaining contingent commissions, such as: Reaching a specific volume of businessPolicy retentionGrowing a certain line of insuranceOverall profitability In general, no matter the type of representative, the greater an agent's book of company, the more commissions she or he earns.

Many U.S. states have disclosure laws that need agents and brokers to supply this info. Some insurance representatives may receive quarterly, semiannual, or year-end bonus offers based upon their sales performance. For captive representatives, efficiency bonus offers can include up to 20% or more of their income. Independent agents usually do not receive performance benefits

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