Intro:
What do top insurance agents really earn — and how do they get paid? Whether you’re just starting or shopping around for better contracts, understanding commissions is critical.
How Commission Works by Product Line
- Life Insurance: Up to 90-120% first year, small renewals
- Medicare Advantage: Flat fee per enrollment ($600+ in 2025), renewals
- Annuities: 3–8% depending on product type and firm
What Influences Payouts
- Carrier & product type
- FMO/IMO structure
- Volume and experience
- How many layers of override are above you
The Myth of “Top Comp”
Some FMOs say 110% but pay 90% after “marketing deductions.”
🛠 Tool Tip: Agency Engineer offers transparent, top-tier contracts without clawbacks or fluff.
How to Maximize Your Commission
- Cross-sell efficiently
- Use automation to do more with less
- Get direct contracts when possible
- Avoid uplines that don’t support you
Why Top Agents Are Moving to New Models
More agents are ditching traditional FMOs to stay independent and maximize comp — with tech and support included.
Conclusion:
Want higher pay and fewer middlemen? With Agency Engineer, you keep more of what you earn — while getting the tools and support usually reserved for big agencies.
