I have contracts with the insurance companies that I work with. They pay me when I enroll someone into one of their plans.
My consultations are no-fee as well.
If I end up not enrolling you in one with one of the companies that I represent, there are no hard feelings! Many times people circle back to me after finding that they can't find the same knowledge and service from working directly with the insurance companies or using another more inexperienced broker.
I try to educate my customers about the insurance decisions they're making. Insurance is one of the most important purchases a person makes, and just signing on the dotted line and paying your premium isn't enough. You should learn about your options, weight the pro's and con's and know what protection your insurance gives you and what your exposure will be financially should you suffer from an illness or an accident..