Who pays the substitute teacher?

Independent insurance agents often have the potential to earn higher commissions compared to agents representing a single company, especially when they sell more expensive or complex policies like permanent life insurance or comprehensive coverage plans. Their compensation is typically commission-based, which means their earnings can increase with the value and number of policies they sell. However, this does not necessarily mean they always make more money than captive agents, as their income depends on their sales volume and client base. It's important for consumers to understand that while independent agents may have financial incentives to recommend higher-value policies, they should prioritize providing advice that best suits the client's needs rather than just focusing on higher commissions.