Initial commission
An insurer may pay a commission when a policy is issued. The amount can vary by insurer, product and premium, so commission size must not be treated as evidence that a product is suitable.
How Orange Blossom is paid
A client does not usually pay Orange Blossom a separate fee when purchasing an insurance policy. The insurer pays a commission if a policy is issued and remains in force under its terms.
Renewal and ongoing compensation
Some policies may pay renewal or ongoing compensation. Relevant insurer relationships, represented companies and conflicts are disclosed in writing before a recommendation proceeds.
What the client pays
The client pays the policy premium to the insurer under the contract. If a future service carries a separate fee, it must be agreed and disclosed before work begins; there is no hidden fee for using this website.
How conflicts are handled
A recommendation should remain defensible if compensation were equal. The comparison includes a lower-cost option, delay or no purchase whenever those are legitimate outcomes.