Commission is a form of remuneration often used by insurance companies to incentivise their insurance brokers or agents. The amount of commission paid and the payment structure will differ from one insurance company to the next, but the commission will always come from either the admin fee or the monthly premium or both, paid by the new client. In South Africa, there has been a massive leaning towards "non-brokered" insuring. Insurance companies claim to "cut out the middle man" and allow you to choose your own level of insurance and save on your monthly premium in this way as the broker does not receive a commission. The general argument against this route is that it may be easy for an individual to choose the incorrect level of insurance. This could see them losing significant amounts of money in the event of a claim whereas a brokered insurance policy would have ensured that the individual was correctly insured.