I have a job offer at Liberty National Insurance, commission only. I understand the general idea behind commission, but can someone go in detail as to how a life insurance (and other small policies) agent gets paid. PS: Is it a lot of cold-calling? And are all companies this way (Aflac, etc.)? If it's cold calling, then why would I need to sit in an office with 10 other people doing the same? Couldn't I accomplish this at home and save driving 25 miles? Lol.