I am an insurance agent who does this job at full time, buy talking about the commission you are trying to kick on our stomach, one should understand the pain an agent, as you said there are 13 companies and ever street 10 to 15 agents. In 10 to 15 % commission an agent get average of 6 to 8 lac premium in a year. Which means 10% of it is 60000 to 80000 Rs for this any agent should slog day and night, now as your article said all customers know we get commission and you are exposing more. All this customers ask us how much commission you share with us. Normally we have to share 50% with them.
And what else he will get in pocket? He has to go to that customers at leaset 5 times to get a policy and smart customers call one experience agent and clarify all his/ her doubt and call a fresher and take more commission from them and give the policy to other and wont pick up our call.
And also the commission is given after deducting the income tax.