On the surface, it seems quite reasonable. In fact, even if you go directly to the insurance company, you can't save this commission. You can understand by analyzing the insurance premium you paid. For insurance companies, after each premium you pay is used for tax payment, operating expenses and compensation, the rest constitutes the profit of the insurance company. At present, insurance companies have a large number of business personnel. If these people want to carry out business, they will inevitably incur expenses, and these expenses often account for a large part of operating expenses. If you go through an agent, the insurance company can actually save these expenses. It can be said that the commission paid by the insurance company to the agent comes from this part of the expenses saved. If you go directly to the insurance company, you still have to deal with its business personnel, and there will still be expenses, which will not save manpower and expenses, and of course, there will be no reduction in the rate.
References:
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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.