Wat! Which company com so high? Hoho.
The com in SG is usually about 50% in the first year, 25% in 2nd
year, then drops to 5-10% in the next 2-3 years. And this is in the
Tied Companies. Some companies even lower.
To give u a feel for comparison, some insurance companies com in
other countries, pays the agent 15% yearly as long as the customer
pays the premiums! So in a way, SG still quite ok.
And TS, there is not much difference buying from a agent n
through a website in terms of cost. You pay the same premiums for
the same insurance contract terms. Just that if you r getting thru
an agent, the company pays him/her. If you are getting directly
thru a company, the company gets more "profits", plus you dun get
the servicing the agent provides.