In general there is 99% total compensation available in first year, with 55% being agent comp, the balance going to the GA
as expense reimbursement allowance (ERA) comp. Many NY based products will pay renewals...just not to you.
Instead of the GA
getting into the bookkeeping business and paying you 55 with renewals for a few years, most share some of their ERA comp in the first year, and keep the renewals.
Renewals may be 8-10% for first few years, followed by 2-3% for as long as policy is inforce.
If you take a $10,000 premium 20 year term, the GA
renewals will be in the neighborhood of $5,000 - $6000 plus whatever they can keep from you of the ERA...you should grab as much of that first year as possible, and should be at least in the 70% range or more....If you have a bigger case, you can get a single case agreement and pick up close to the full 99%.
here's some info from the state as well
Commission and Expenses