Commission: (n) a fee paid based on a percentage of the sale made by an employee or agent, as distinguished from regular payments of wages or salary (legal-dictionary).
In the common parlance, a commission is the only reason Salesmen wake up in the morning with any hint of vigor. See also “Insurance Agent,” or “Real Estate Agent,” or a pile of additionally respectable “sales” posts. Sales is all about knowing the customer, and intuitively delivering what they need to function at a high level.
You know the best part about being an Insurance Agent? Everyone in America needs what you’re selling (for the time being anyway). If they don’t have it, they’re penalized…heavily. It’s like selling rubber gloves to surgeons. Or haircuts to lawyers. Or clogs to sous-chefs. Or, or uhh bananas to orangutans.
If you’re employed (which is nice), your company provides a singular option for insurance, which is nice. Who wants to shop around for “insurance”? The collective “we” would rather pick turnips (no metaphor, really).
If you’re not employed, the government might provide an option for you, in that you have the option of paying out of pocket for insurance, or risk being heavily penalized hundreds of dollars for not having insurance. You’ve got better insurance options if you’re single and working for yourself, than if you’re living in a dual income household, but you still work for yourself. If you collectively make too much, you don’t qualify for any sort of subsidized anything at all. In this instance, you’re paying out of pocket exorbitant rates with mountainous deductibles. These plans are known in the industry as “catastrophic” plans: low monthly costs, with tropospheric deductibles. This is so that if you get twisted up in an airbagged near-tragedy, you’ll only squeeze the savings, not drain it.