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About Me:	Given that life and health insurance commissions are front-loaded, agents usually do not get a commission after the 3rd policy renewal. Sometimes, captive and independent agents might make contingent commissions, which are incentive-based. Insurer or companies may set specific objectives for accomplishing contingent commissions, such as: Reaching a certain volume of businessPolicy retentionGrowing a certain line of insuranceOverall profitability In general, no matter the type of