If you choose to purchase a product through me, I will be paid by the company that offers that product. I am compensated by a sales commission for most products at the time of sale, and may receive a renewal (or service) commission if you retain that policy with the company. For certain products, I may receive a referral fee.

I may also be eligible for additional compensation, in the form of bonuses and non-monetary benefits, such as travel incentives. This compensation depends on various factors such as the volume or retention of business I place with a particular company during a given time period.

In addition, you may choose to engage my services, or I may offer my services, on a fee basis. Fees will be subject to individual discussion and agreement before implementation. Fees will be charged separately from commissions and other forms of compensation earned as a result of the purchase of any product. Commissions and other forms of compensation will not be reduced or eliminated due to the charging of fees.