The industry's standard compensation formula is to include some set percentage of premium as "commission" to the agent or broker.  That is set by contract between the agent/broker and each separate insurer.  The amounts vary by product, and by insurer, and are not always the same for all agents or product lines.  Do your commissions cost me more than dealing directly with an insurer?  No.  Why not? Because someone is being paid to provide you service whether it be us, or paid insurance company staff. Commissions are subject to pro-rated refund, therefore, not fully earned until the policy term has expired.

VIA Consulting fees: We charge $400 per hour with a minimum of $100.  These fees are only charged by prior written agreement which can be purchased online at this site.  Consulting is not for the sale of insurance products.  Normally consults are for time consuming policy analysis requiring a written report, for a 2nd Opinion, and

for Expert Witness testimony.  All fees are non-refundable.

Broker Fees: Are only charged where allowed by law, pre-agreed, fully earned at the time of purchase, non-refundable, and may be charged in addition to any policy commissions recevied.