Commission

This is money paid by the insurance company to an agent or broker for his services in procuring and servicing your insurance policy. This amount is part of the premium paid by you. Some agents receive part of this money directly and some are strictly salary-based employees.

This commission is either greatly reduced or not applied when you are dealing directly with the insurance companies. This is partly why direct insurance is cheaper then dealing one-on-one with a broker or agent. What do you want? Take control of your insurance.