I had a good chat with an insurance director 36yrs old (started as a salesman) and he shared a little. Under prudential (if he's not lying), the commision for 1st year is 50% and following yr cascade up to 5th yr (Its in SG btw). He even showed me his income tax to IRAS (LHDN) of 258k for 2015 so can imagine la. At his level hes relying income from downlines and newbloods + prudential salary itself.

Anyway, from his input, I was curious and put them into excel, it does show the potential income of being a kuli insurance agent. Can find below
http://www.megafileupload.com/g8wl/Basic_commision_calc.xlsx

I think the beginning of next year only for a certain products. Well if self service then you might be able to save some money that's suppose to go to commission. So their charge cheaper premium maybe. I heard these from a friend who attended Malaysian insurance summit few days ago, not sure if bank negara posted the new framework already or not.