CoOportunity's commission structure is much better than Coventry, but if Coventry's rates are lower, how can an insurance agent justify enrolling someone in CoOp rather than Coventry? Damn...I was really hoping CoOp's rates would be better than Coventrys.....
The secret is in the networks. I agree with your assessment of the comp, but as anonymous has suggested, it might benefit both you and the client to look at strategies of signing the families up for multiple plans by splitting them up. For instance a low cost copay plan might be beneficial for the mother and children since children tend to visit the doctor more often with infections and illnesses, but for the father an HSA would be a good fit depending on medical needs. Don't forget the HSA contributions lowers the MAGI as well and puts the family in a better position subsidy wise. Now you have a very justifiable reason to split into two applications to benefit the client and in turn you get comp on both applications.