This is an excellent question. The reason is that the law does not allow for it and we would lose our license to do business. Insurance law does not allow an insurance brokerage or agent to offer anything of value to the client outside of what the carrier offers in their contract. These things are technically called “valuable consideration” and they include rebating of commissions, reducing premiums charged to the client, promises of things that will happen with the contract that aren’t in the contract between the carrier and the owner / insured.