Posted On: January 31, 2005, 3:24 pm CST

Posted By: DRUDY

the devil's advocate on this one. being an independent agent fo rover 25 yrs, my experience is that the contg. fee is a incentive to place the higher priced coverage with that co. that pays the most cont. fee based on volumn,and loss ratio. if the customer does not object,it will be placed there. i have seen the cos raise the amount required to earn cont. fee thus the incentive is to earn more regardless of the customer's welfare.yeah yeah yeah, there will be responces objecting to my opinion. down deep you know where the $ comes from. we are here to make a profit first, everything else comes after. if your not profitable, you ain't going to be around.and profit is the name of the game of contingentcies, regardless of what the buying public wants.