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The amount of the commission the agent makes is no concern as to the cost of the insurance to the consumer. There is no effect whatsoever. Likewise, there is no saving to the consumer whether he buy from an agent, broker or off the internet. The only thing you give up from one to the other is expertise and options. The broker having the most options and often the most experience which may save the consumer the most money. Regarding commissions, it varies from company to company. Captive agents make a lower percentage than do brokers. It can range from approx 40% to over 100%.
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