From that early beginning—when insurance companies contracted with individuals to work as agents—to today, the primary way people manage their insurance affairs is by working with an agent. Yes, direct-writing carriers have their own exclusive agents, and companies use independent agents as their representatives. Nonetheless, whether an insurance buyer is working with an independent agent or a direct-writing agent, the insurance transaction will result in an agent getting paid. Unfortunately, that simple act of paying an agent a certain percentage of the premium isn’t that simple. In fact, it can be mind-numbingly complex.