Which party typically earns a commission on an insurance policy sale?

• A. The client
• B. The agent who completed the application
• C. The insurer
• D. The adjuster

Answer: (D)

Commissions on an insurance policy sale are earned by the producer who sells the policy—the agent or broker who completes the sale. This pay reflects their role in placing the policy with the insurer. The adjuster handles claims after a loss, not the sale, so they don’t receive commissions for selling policies. Clients pay premiums, but they don’t earn sales commissions. In short, the agent who completed the sale is the party who typically earns the commission.