We do not charge you for our services. As brokers we receive compensation for the sale and service of our products.  In most cases we are paid a commission, which is fixed or based on a percentage of the premium.  Incentive compensation is based on a variety of factors tht may include the level of premium written, retention, growth, overall profitability, or other performance measures. For more specific detail about compensation relating to your policy, please contact your agent or broker.