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The insurance sales model here is a commission-based structure, where employees receive compensation based on the business they generate through selling insurance policies. Let's break down the roles and how the compensation works for each:

1. Insurance Consultant (Sales Agent):
   
   • Role: The insurance consultant is responsible for selling insurance policies to potential customers. They may work on leads provided by the higher-level managers or generate their own leads.
   • Compensation: Insurance consultants earn commissions based on the number of policies they sell or the premium amount of the policies they sell. The commission rate may vary depending on the type of policy and the insurance company's guidelines.

         2.  Unit Manager:

• Role: The unit manager oversees a team of insurance consultants. They provide training, support, and guidance to help their team members succeed in selling insurance policies.
• Compensation: The unit manager's earnings are tied to the performance of their team. They receive a percentage of the total commissions generated by their team members. This percentage could be based on the team's overall performance or a combination of team performance and individual performance.

          3.   Branch Manager:

• Role: The branch manager is responsible for the overall operations and performance of a branch office. They manage multiple unit managers and ensure that the branch meets its sales targets and objectives.
• Compensation: The branch manager's compensation is typically based on the branch's overall performance, which includes the commissions generated by all the insurance consultants and unit managers under their supervision. They receive a percentage of the total commissions generated by the entire branch.

            4.   Area Manager (Regional Manager):

• Role: The area manager oversees multiple branches in a specific geographic area. They are responsible for the overall growth and profitability of the region.
• Compensation: Similar to the branch manager, the area manager's earnings are based on the overall performance of all the branches and teams in their region. They receive a percentage of the total commissions generated by all the branches in their area.

              5.    Pro-rata Salary:

•  "Pro rata Salary" in this context means that the employees, including area managers, branch managers, and unit managers, do not receive a fixed salary but rather a salary that is proportional to their performance or the business they generate. Let's clarify the model based on this understanding: 
•  In this commission-based model, the employees' income is not fixed, and their compensation is directly linked to the business they generate or the performance of their respective teams and branches. The incentive is to increase sales, improve team performance, and grow the business to earn higher commissions.