Jasmada responds: Are you saying then that commission based people then are doing their clients wrong because of the way they are paid, this whole commission and fee arguments is all a matter of semantics I do not care how you get paid it makes no difference. You are being paid for your time commission, fee or otherwise. I should just cut out my commission and then do a fee only when proposing my various insurance plans. Right when I sit down I ask for a $600 check to make a recommendation whether they take the product or not, does that seem fair. Maybe I should change the entire insurance industry to do that. Yep that's what Im going to do, before anyone sits down with someone in the insurance business they pay a flat $250.00 and then depending on which plan they take you just charge per minute to fill out the forms.I think what is being said is that you can get good service from a commission salesperson once you know what you want.For example an insurance agent my sell insurance and annuities but not individual stocks. I do not think his advice to me would be to buy stock, rather he would try and sell an annuity or universal life with and equity base. He will do his best to convince me that his product is the right one for me.