In addition to the commissions or fees received by us for assistance with the placement, servicing, or renewal of your insurance policies and services, other parties, such as General Agents, Reinsurance Intermediaries, Underwriting Managers and similar parties, some of which may be owned in whole or in part by Brown & Brown, Inc., may also receive compensation for their role in providing insurance products or services to you pursuant to their separate contracts with insurance or reinsurance carriers. That compensation is derived from your premium payments. Additionally, it is possible that we, or our corporate parents or affiliates, may receive contingent payments or allowances from insurers based on factors which are not client-specific, such as the performance and/or size of an overall book of business produced with an insurance carrier. We generally do not know if such contingent payments will apply until the underwriting year is closed. That compensation is partially derived from your premium dollars, after being combined (or pooled) with the premium dollars of other clients that have purchased similar types of insurance coverage or services as you. We may also receive invitations to programs sponsored and paid for by insurance carriers to inform brokers regarding their products and services, including possible participation in company-sponsored events such as trips, seminars, and advisory council meetings, based upon the total volume of business placed with the carrier you select. We may on occasion, receive loans or credit from insurance companies.