Commission Disclosure
Commission Disclosure
We, Travers & Co. Insurances Ltd. act as intermediary (Broker) between you, the consumer, and the product provider with whom we place your business.
The background
Pursuant to provision 4.58A of the Central Bank of Ireland's September 2019 Addendum to the Consumer Protection Code, all intermediaries, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the intermediary which it has agreed with its product producers.
What is commission?
Commission is the payment earned by the intermediary for work undertaken on behalf of both the provider and the consumer. The amount of commission is generally directly related to the value of the products sold.
Our brokerage commission options are displayed showing the maximum percentage amount which can be received. The level of commission may sometimes vary depending on individual circumstances, factors that may impact a variation in charges include:
- Client segmentation
- Advisor discretion
- Competitive pressures
- Investment/pensions/savings size
- Schemes size
- Term/Timeline of a policy or service
- Complexity of advice
- Preferential terms in the market, available to a brokerage & client at the time
There are different types of commission models:
| Single commission model | Payment is made to the intermediary shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/amount borrowed. |
| Trail/Renewal commission model | Further payments at intervals are paid throughout the life span of the product. |
| Indemnity commission | Indemnity commission is the term used to describe a commission payment made before the commission is deemed to be 'earned'. Indemnity commission may be subject to a clawback (see below) if the consumer lapses or cancels the product before the commission is deemed to be earned. |
Other forms of indemnity commission are advances of commission for future sales granted to intermediaries in order to assist with set up costs or business development.
Sustainability Factors - Investments/Investment-Based Insurance Products/Pension Advice
When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their product offering. This will form part of our analysis for choosing a product provider.
General insurance products
General insurance products, such as motor, home, travel, retail or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product.
Profit Share arrangements
In some cases, the intermediary may be a party to a profit-share arrangement with a product provider and will earn additional commission. Any business arranged with these product providers on a client’s behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the client’s requirements, taking all the client’s relevant information, demands and needs into account.
Life Assurance/Investments/Pension products
For Life Assurance products commission is divided into initial commission and renewal commission (related to premium), fund based or trail relating to accumulated fund.
Investment firms, which fall within the scope of the European Communities (Markets in Financial Instruments) Regulations 2007 (the MiFID Regulations), offer both standard commission and commission models involving initial and trail commission. Increments may be based on a percentage of the investment management fees, or on the value of the fund.
Trail commission, bullet commission, fund based, flat commission or renewal commission are all terms used for ongoing payments. Where an investment fund is being built up though an insurance-based investment product or a pension product, the increments may be based on a percentage of the value of the fund or the annual premium. For a single premium/lump sum product, the increment is generally based on the value of the fund.
Life Assurance products fall into either individual or group protection policies and Investment/Pension products would be either single or regular contribution policies. Examples of products include Life Protection, Regular Premium Life Assurance Investments, Single Premium (lump sum) Insurance-based Investments, and Single Premium Pensions.
Credit Products/Mortgages
Commission may be earned by intermediaries for arranging credit for consumers, such as mortgages. The single, or standard, commission model is the most common commission model applied to the sale of mortgage products by mortgage credit intermediaries (Mortgage Broker).
Clawback
Clawback is an obligation on the intermediary to repay unearned commission. Commission can be paid directly after a contract is concluded but is not deemed to be ‘earned’ until after a specified period of time. If the consumer cancels or withdraws from the financial product within the specified time, the intermediary must return commission to the product producer.
Fees
Travers & Co. Insurances Ltd may also be remunerated by fee by the product producer such as policy fee, admin fee, or in the case of investment firms, advisory fees.
Please Note
The enclosed commission guidance section gives indicative values across every product provider and every product advised whereby a commission or fee is received within our business. This is the maximum our Brokerage will take and is subject to change, in certain cases our Brokerage may take a different remuneration than the enclosed percentages/amounts. This will be disclosed to each client as per the Central Bank Consumer Protection Code regulations, on a client by client basis.
Other Fees, Administrative Costs/ Non-Monetary Benefits
Travers & Co. Insurances Ltd may also be in receipt of non-monetary benefits such as:
- Attendance at, and participation in, Insurer/Lender (or other Product Provider) conferences, seminars, webinars, and other training events
- Assistance with advertising/branding
- Co-Branded literature
- Hospitality of a reasonable de minimis value, such as food and drink during a business meeting or a conference, seminar, or other training event.
- Industry educational seminars
- Other minor benefits that can enhance the quality of the service provided to consumers and do not impair the firm’s duty to act in the best interests of the consumer.
Further detail on the providers we work with, the products we sell and the maximum commissions available to us are outlined below.
Accident & Health Undewriting
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Business Travel | 25% |
| Single Trip Travel | 25% |
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Term Life Assurance | 10% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident | 25% |
| Personal Accident & Illness | 25% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Kidnap & Ransom | 15% |
AIG Europe S.A
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Travel | 20% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| PI Rapidcover | 22.5% |
| Professional Indemnity | 17.5% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident | 20% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| D&O, Crime, PTL, EPL, Entity | 17.5% |
| D&O, Crime, PTL, EPL, Entity Rapidcover (Bus Guard) | 20% |
| Employers Liability | 6% |
| Excess Liability | 10% |
| PL Rapidcover | 17.5% |
| Public Liability | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Com Comb Rapidcover | 20% |
| Cyber | 20% |
| Cyber Rapidcover | 25% |
| Excess | 10% |
| Excess Rapidcover | 22.5% |
| Marine | 20% |
| Office Rapidcover | 20% |
| Prop Own Rapidcover | 20% |
| Property | 15% |
| Shops Rapidcover | 15% |
| Terrorism | 15% |
Aiken Insurances Limited
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 10% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Marine | 15% |
| Other | 15% |
| Surety Bonds | 20% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Liability & Excess Liability | 15% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial combined | 15% |
| Motor (Incl Fleet/Trade etc.) | 5% |
| Property Owners | 10% |
| Tour Operators | 15% |
| Unoccupied Properties | 15% |
Allianz Plc.
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| OGR Motor - Own Goods | 5% |
| PCR RoI Broker Motor Product | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| LIA Combined Liability | 10% |
| RPL Public Liability MML | 5% |
| RPL Public Liability | 10% |
| SPL Social Public Liability | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| HHR Combined House Insurance | 15% |
| HPR Personal lines household | 15% |
| HYR Holiday Home ROI | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| CBR Combined Property | 15% |
| CMP Computer | 15% |
| ENG Engineering | 15% |
| HPY Hospitality | 15% |
| HYT Hull Marine | 15% |
| LPR Landlord House Insurance | 15% |
| Motor Traders Combined BI | 15% |
| Motor Traders Combined CMF | 15% |
| Motor Traders Combined EL | 15% |
| Motor Traders Combined GAP | 15% |
| Motor Traders Combined PL | 15% |
| Motor Traders Combined PRL | 15% |
| PRP Combined Property | 15% |
| RPM Hospital Malpractice Insurance | 10% |
| SCR Combined Risk | 15% |
| SFR Motor - Small Fleet | 5% |
| SME - Business Policy | 15% |
| SMP - Property Owners | 15% |
Aon Insurance Markets Ireland
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity Insurance Dual | 15% |
| Professional Indemnity Insurance Hiscox | 10% |
| Professional Indemnity Insurance Irish Public Bodies Mutual | 8% |
| Professional Indemnity Insurance Liberty | 10% |
| Professional Indemnity Insurance XL Insurance | 10% |
| Professional Indemnity Insurance Zurich | 10% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car (Personal Lines) Chubb | 5% |
| Private Motor Insurance Chubb | 5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident & Illness AIG | 10% |
| Personal Accident Insurance Chubb | 20% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Marine | 12.5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability Berkshire Hathaway | 10% |
| Combined Liability Zurich | 10% |
| Directors & Officers Liability - Golf Travelers Insurance | 10% |
| Directors and Officers Liability Travelers Insurance | 10% |
| Employers Liability Irish Public Bodies Mutual | 8% |
| Excess Liability Liberty | 10% |
| Professional Indemnity Insurance Chubb | 10% |
| Public Liability Irish Public Bodies Mutual | 8% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household Insurance Azur Underwriting | 12% |
| Household Insurance Chubb | 12% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Aon Toal Planthire Scheme - Commercial Package Travelers Insurance | 5% |
| Combined Directors & Officers and Employment Practices Liability Travelers Insurance | 12% |
| Combined Liability Allied World | 10% |
| Combined Liability Aon UK | 8% |
| Combined Liability RSA | 15% |
| Combined Traders | 8% |
| Commercial Combined | 10% |
| Commercial Combined Package Axa | 10% |
| Commercial Combined Package Barbican | 10% |
| Commercial Combined Package Chubb | 10% |
| Commercial Combined Package Ecclesiastical Insurance Office plc | 12.5% |
| Commercial Combined Package Hiscox | 10% |
| Commercial Combined Package Irish Public Bodies Mutual | 7.5% |
| Commercial Combined Package Liberty | 10% |
| Commercial Combined Package Travelers Insurance | 8% |
| Commercial Combined Package XL Insurance | 10% |
| Commercial Combined Package Zurich | 13% |
| Commercial Package - NHI Liberty | 10% |
| Commercial Package AIG | 10% |
| Commercial Package Aon UK | 15% |
| Commercial Package Chubb | 10% |
| Commercial Package Zurich | 4.5% |
| Commercial Property Policy Berkshire Hathaway | 10% |
| Commercial Vehicle Liberty | 5% |
| Commercial Vehicle Zurich | - |
| Computer All Risks RSA | 7.5% |
| Computer All Risks Zurich | 7.5% |
| Construction Liability Insurance Liberty | 10% |
| Construction Liability Insurance XL Insurance | 10% |
| Contractors All Risks Insurance (AW) Northern Marine | 10% |
| Contractors All Risks Insurance Liberty | 10% |
| Contractors All Risks Northern Marine | 10% |
| Cyber Liability Insurance Hiscox | 10% |
| Cyber with Beazley | 20% |
| Directors & Officers Liability Chubb | - |
| Directors & Officers Liability Hiscox | - |
| Directors & Officers Liability Liberty | 10% |
| Engineering Aviva | 7.5% |
| Engineering RSA | 10% |
| Environmental Impairment Liability (EIL) AIG | 7.5% |
| Event Insurance Hiscox | 10% |
| Excess Liability | 10% |
| Excess Liability Insurance Chubb | 10% |
| Excess Public/Products Liability Allied World | 12% |
| Fine Art Insurance Axa | 5% |
| Fine Art Insurance Hiscox | - |
| Golf Buggy Insurance Travelers Insurance | - |
| Golfers Combined Package Travelers Insurance | 10% |
| Group Travel AIG | 13% |
| Household Insurance | 12% |
| ICMA : Motor Fleet Insurance Zurich | - |
| ICMA : Private Motor Insurance Zurich | - |
| Machinery Movement RSA | 10% |
| Marine Insurance (AW) Northern Marine | 10% |
| Marine Insurance RSA | 12.5% |
| Medical Malpractise Hiscox | 10% |
| Motor Fleet Insurance Liberty | 5% |
| Motor Fleet Insurance Travelers Insurance | 5% |
| Motor Fleet Zurich | - |
| Motor Trade Road Risks Travelers Insurance | 7% |
| Motor Trade Road Risks Zurich | - |
| Multi Risk | 15% |
| One-Plan Package Chubb | 10% |
| Personal Accident Insurance | 20% |
| Private Car (Commercial) Zurich | - |
| Property Owners | 15% |
| Property Owners Liability Liberty | 12.5% |
| Property/Business Interruption Liberty | 10% |
| Public/Products Liability The Underwriting Exchange | 6.75% |
| Real Estate Property & Property Owners Liability Pkg | 10% |
| Rugby Clubs : Commercial Combined Package Aviva | 15% |
| Stud & Stable Insurance Package Aviva | 8% |
| Tennis Commercial Combined Package Ecclesiastical Insurance Office plc | 12.5% |
Aquabroker Ltd.
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Marine | 5% |
Arachas
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Construction Liability | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Cleaning Contractor | 11.25% |
| Combined Traders | 15% |
| Contractors All Risks | 13% |
| House - Holiday Home HSH | 15% |
| Oil Distributors | 8% |
| Property Owners | 15% |
| Recruitment Consultants | 12.5% |
| Security Contractors | 12.5% |
ARB Underwriting Ltd.
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Travel | 20% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 18% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Motor ARB Ideal | 8% |
| Private Car | 5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Combined | 15% |
| Commercial Vehicle | 5% |
| Motor Trade | 10% |
| Motor Trade - ARB Motor Trade (COB 150) | 8% |
| Motor Trade - ARB Motor Trade (COB 160) | 5% |
| Motor Trade - Commercial Property Motor Trade Internal) | 10% |
| Motor Trade - Commercial Property SS MTIR | 10% |
| Surestone MTIR policies | 10% |
Arthur J Gallagher Ins Brk Ltd
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 10% |
| Public Liability | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Aviation | 15% |
| Aviation | 15% |
| Property Damage | 12.5% |
Aviva Insurance Ltd.
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household | 17.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Agricultural Vehicle | 5% |
| Commercial Combined | 15% |
| Commercial Vehicle | 10% |
| Contractors Works | 10% |
| ENG INS - JC | 15% |
| ENG INS - JF | 15% |
| ENG INS - JM | 15% |
| ENG INS - JP | 15% |
| Engineering Business Interuption | 15% |
| Engineering Insurance Inspection | 15% |
| Farmers Combined | 15% |
| Fleet Insurance | 5% |
| Marine | 18.78% |
| Motor Traders | 5% |
| PACKAGES - AO | 21% |
| PACKAGES - AS | 16% |
| PACKAGES - US | 15% |
| Self Build | 15% |
| Traders Combined | 15% |
Aviva Life & Pensions Ireland DAC
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Term Protection | 150% | 22% | 24 |
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| Single Premium PRSA | 4% | 0.5% |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Specified | 150% | 22% | 24 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Savings | 15% | 1% | 48 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Pension Term | 150% | 22% | 24 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Regular Premium PRSA | 22.5% | 0.5% | 48 |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| PRB | 5.25% | 1% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Mortgage Protection | 150% | 22% | 24 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Income Protection | 200% | 30% | 48 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| Investments | 5.25% | 1% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Regular Premium pension | 20% | 1% | 48 |
| Single premium pension | 5.25% | 1% | - |
Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| ARF | 5.25% | 1% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Annuity | 3% |
AXA Insurance dac
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 10% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Taxi | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Employers Liability | 7.5% |
| Products Liability | 17.5% |
| Public Liability | 17.5% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Holiday Home | 15% |
| Household | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Vehicle | 5% |
| Fleet Insurance | 5% |
| Property Owners | 17.5% |
| Shop/Office/Surgery | 17.5% |
| Tradesmen and Professionals | 15% |
| Tradesmen and Professionals | 15% |
Benchmark Underwriting Ltd.
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Holiday Home | 15% |
| Household | 15% |
| Household | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Combined | 17.5% |
| Office/Shop | 17.5% |
| Property Owners | 17.5% |
Blackrock Insurance Solutions
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Employers Liability | 10% |
| Public Liability | 10% |
Blue Insurances Ltd
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Travel | 30% |
| Travel - White Label | 20% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Car Hire Excess | 20% |
| Motor Breakdown | 20% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Gadget | 15% |
| Pet Insurance | 5% |
| Wedding Insurance | 20% |
Brady Underwriting
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Business Protect (Retail, Office, Hospitality & Manufacturing) | 15% |
| Eventinsure Product | 10% |
| Legal Expenses | 10% |
Broker Options
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Directors & Officers Insurance | 10% |
| Event Insurance | 10% |
| Leisure Risks | 10% |
| Liability | 10% |
| Property | 10% |
Brokers Ireland Network Services Limited
Mortgage Switcher
Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.
| Product | Commission % | Clawback Period (Months) |
|---|---|---|
| Mortgage - Switcher | 1% | 36 |
Second and Subsequent Time Buyers
Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.
| Product | Commission % | Clawback Period (Months) |
|---|---|---|
| Mortgage - Second/subsequent Buyer | 1% | 36 |
First-Time Buyer
Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.
| Product | Commission % |
|---|---|
| Mortgage - First-Time Buyer | 1% |
Equity Release
Credit intermediation with respect to Mortgages allows for an initial once off upfront commission to remunerate a Brokerage based on the advice, service and packaging of a mortgage. If a client switches or ceases to pay a Mortgage repayment with the clawback period, the Brokerage will receive a pre agreed pro rata clawback within the below timeframes.
| Product | Commission % | Clawback Period (Months) |
|---|---|---|
| Mortgage - Equity Release | 1% | 36 |
Patrona t/a Bump Insurance
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 6% |
Cantor Fitzgerald Ireland Ltd
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Investments | 3% |
Capital Cover Group Ltd
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| COMMERCIAL COMBINED | 12% |
Catalpa Underwriting Limited
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Motor | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Liability | 10% |
Citynet Insurance Brokers Ltd.
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 10% |
| Employers Liability | 7.5% |
| Public Liability | 12.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Property Damage | 12.5% |
Corporate Underwriting Ltd.
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Marine Cargo | 18.775% |
| Trailers | 15% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Carriers Liability | 18.775% |
Cover Centre Insurance Ltd.
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Apartment Landlord | 15% |
| Apartment Owner Occupied | 15% |
| HOUSEHOLD | 15% |
| Kidd Endeavour | 15% |
| Kidd High Net Worth | 15% |
| Kidd Holiday Home | 10% |
| Kidd Homeworker | 15% |
| Kidd Mobile Home Fixed Site | 10% |
| Kidd Non-standard Construction | 10% |
| Kidd Touring Caravan | 10% |
| Kidd Unoccupied | 10% |
| Kiddsure Select | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Light Commercial Vehicle | 6% |
ARAG Legal Protection Ltd
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission € | Commission % |
|---|---|---|
| Commercial Legal Expenses | €24.59 | 20.25% |
Dolmen Insurance Brokers Ltd.
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Professional Indemnity | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Amethyst | 10% |
| Dolmen SI (Sums Insured) Home | 15% |
| Dolmen SI (Sums Insured) Residential | 15% |
| Flex | 10% |
| Premier | 10% |
| Unoccupied (via Relay & Direct) | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Contractors All Risks | 12.5% |
| Directors & Officers | 20% |
| Event Insurance | 10% |
| Homeworks | 12.5% |
| Land Liability | 15% |
| Property Owners | 15% |
| Property Works | 12.5% |
Dual Private Client
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Motor | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household | 20% |
Ecclesiastical Insurance Office Plc.
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Charity, Faith and Community Insurance (CHA) | 15% |
| Commercial Combined (ICS) | 15% |
| Commercial Package (IIP) | 15% |
| Education (ISS) | 15% |
| Engineering, Cyber (CEN) | 15% |
| Heritage (IHG) | 15% |
| Legal Expenses | 15% |
| Property Owners (IPO) | 15% |
Footprint Underwriting DAC
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 7.5% |
Frost Insurance Ltd
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 15% |
| Locum Professional Indemnity | 15% |
| Professional Indemnity | 15% |
| Public Liability | 15% |
| Treatment Risk | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Combined | 15% |
| Commercial Excess | 15% |
| Contractors Works | 15% |
| Employers Liability | 15% |
| Hair & Beauty Retail | 15% |
| Home Excess | 15% |
| Legal Expenses | 15% |
| Material Damage | 15% |
| Office | 15% |
| Office Combined | 15% |
| Product Dispensing Risk | 15% |
| Property Owners | 15% |
| Retail | 15% |
| Retail Pharmacy | 15% |
| Self Build | 15% |
| Shop | 15% |
| Trade | 15% |
| Treatment Risk | 15% |
| Unoccupied Property | 15% |
| Vacant Property | 15% |
Hickey Clarke & Langan Ltd.
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household | 10% |
HSB
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Engineering | 15% |
| Engineering Inspection | 15% |
Irish Life Assurance plc
Whole of Life Protection
The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Whole of Life | 100% | 28% | 60 |
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Term Protection | 100% | 28% | 60 |
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| Single PRemium PRSA | 5% | 0.75% |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Specified | 100% | 28% | 60 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Savings | 5.5% | 0.5% | 5.5% | 48 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Pension Term | 100% | 15% | 60 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Regular Premium PRSA | 17.5% | 0.5% | 5% | 48 |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| PRB | 5% | 0.75% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Mortgage Protection | 100% | 28% | 60 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Income Protection | 120% | 30% | 60 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| Investments | 5% | 0.5% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Regular Premium pension | 17.5% | 0.5% | 5% | 48 |
| Single premium pension | 5% | 0.75% | - | - |
Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| ARF | 5% | 0.75% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Annuity | 3% |
iSure Underwriting Ireland
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Combined | 15% |
| Property Owners | 19% |
| Shops | 15% |
| Tradesman | 16.5% |
| Unoccupied Property Owners | 19% |
Independent Trustee Company Limited
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| PRSA | 2% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| PRB | 2% |
Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| ARF | 2% |
Marsh Ireland Brokers Limited, trading as JLT Ireland
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Charities | 10% |
| Commercial | 10% |
| Electrical Contractors | 10% |
| Sports | 10% |
KBIS Limited
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident Insurance | 10% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Horse and Pony Insurance | 10% |
| Irish Branch of the Pony Club | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability insurance | 10% |
| Farriers Liability Insurance | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household Insurance | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Property Insurance | 10% |
| Equestrian Establishment Property Insurance | 10% |
| Masterplan | 10% |
KennCo Underwriting Ltd
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Motor Policies | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 15% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household Policies | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Combined | 15% |
| Motor Trade Policies | 15% |
Liberty Seguros
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 11% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household | 21% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Vehicle | 11% |
| Fleet Insurance | 10% |
London Ireland Market Exchange Ltd
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| All types | 10% |
MIS Underwriting Ltd
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Travel | 25% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| ROI Owner Occupied | 20% |
| ROI Residential Let | 25% |
Motorists Insurance Services Ltd
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission € | Commission % |
|---|---|---|
| Legal Expenses | €7 | 46.66% |
| Motor Extra Benefits | €12.4 | 49.6% |
Munster Insurances & Financial Limited t/a Broker Solutions Ireland
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Home Owner | 12.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Agricultural Vehicles | 5% |
| Caravan Park | 12.5% |
| Holiday Home | 12.5% |
| Horse Boxes | 5% |
| Mobile Home | 12.5% |
| Other Commercial | 13% |
| Rented Property | 12.5% |
| Special Types | 12.5% |
Munich Re
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Computer | 20% |
| Contractors All Risks Annual | 20% |
| Contractors All Risks Specific | 20% |
| Contractors Plant | 20% |
| Deterioration of Stock | 20% |
| Domestic Transit | 20% |
| Erection All Risks Annual | 20% |
| Erection All Risks Specific | 20% |
| Facultative - Domestic Transit | 20% |
| Facultative - Marine Cargo | 20% |
| Facultative - Marine Goods in Transit | 20% |
| Forwarding | 20% |
| Forwarding & Haulage | 20% |
| Forwarding, Haulage & Warehousing | 20% |
| Haulage & Warehousing | 20% |
| Hauliers Liability | 20% |
| Machinery Movement | 20% |
| Marine Cargo | 20% |
| Marine Goods in Transit | 20% |
| Stock Throughput | 20% |
| Terrorism | 17.5% |
| Worldwide Machinery Installation | 20% |
New Ireland Assurance Company plc
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Term Protection | 225% | 50% | 60 |
Single Premium PRSA
| Product | Initial % | Recurring % | Clawback Period |
|---|---|---|---|
| Single Premium PRSA | 7% | 0.5% | 60 |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Specified | 225% | 50% | 60 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Savings | 10% | 0.5% | 2.5% | 60 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Pension Term | 225% | 50% | 60 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Regular Premium PRSA | 25% | 0.5% | 6% | 60 |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| PRB | 5% | 1% | 60 |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Mortgage Protection | 225% | 50% | 60 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Income Protection | 225% | 50% | 60 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Investments | 4% | 1% | 36 |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Regular Premium pension | 25% | 1% | 8% | 60 |
| Single premium pension | 5% | 1% | - | 60 |
Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| ARF | 5% | 1% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Annuity | 3% |
Norman Thompson Insurances Ltd
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Traders Funeral Directors | 15% |
| Combined Traders Hair and Beauty Salons | 15% |
OBF Insurance Group Ltd.
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Holiday Home | 12% |
| Household | 12% |
| Mobile Home | 10% |
O'Callaghan Insurance
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| House | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Apartment Block | 10% |
| Eire Property Owners | 10% |
| Eire Unoccupied Property Owners | 10% |
| Flats | 10% |
Optis Insurances Ltd.
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| P.I | 20% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident | 15% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| B & B | 15% |
| Couriers | 12.5% |
| Goods in Transit | 20% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 15% |
| ELPL | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Combined | 15% |
| Contractors All Risks | 15% |
| Office | 15% |
| Property Owner | 17.5% |
| Pub/Restaurant | 15% |
| Self Build | 15% |
| Shop | 15% |
Patrona Underwriting Ltd
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Non-standard Car | 5% |
| Non-standard Van | 5% |
| Private Car | 6% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Special Types Axa | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Carriers Liability | 10% |
| Equestrian Liability | 5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| ADF&T | 10% |
| AXA Haulage | 5% |
| All Risks | 15% |
| Commercial Vehicle | 7.5% |
| Courier - Axa | 5% |
| Engineering | 15% |
| Fleet | 7.5% |
| Horse Box - Axa | 5% |
| Logistics Combined | 10% |
| Special Types | 5% |
| Special Types - Axa | 5% |
| Standard Haulage | 7.5% |
| Unmanned Aircraft | 7.5% |
Pen Underwriting Ltd
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial | 20% |
| Commercial Combined | 10% |
| Commercial Vehicle | 5% |
| Motor Fleet | 7.5% |
Phoenix Life Limited
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Annuity | 2% |
Premium Credit Ireland
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Commercial Insurance Loans | 4% |
| Personal Insurance Loans | 4% |
Prestige Underwriting Services (Ireland) Limited
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 5% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Octane Ireland Motor | 8% |
| Octane Ireland Motor EDI | 6% |
| Prestige Ireland Private Motor | 8% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Prestige Homesafe | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Amtrust Property ROI | 14% |
| Prestige Ireland Motor Trade | 10% |
| Prestige Ireland Non Standard CV | 8% |
Robertson Low Insurances Ltd
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 10% |
| Professional Indemnity(Excess Layer) | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 10% |
| Employers Liability | 10% |
| Medical Malpractice | 10% |
| Product Liability | 10% |
| Public Liability | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| HNW Household | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Apartment Block | 10% |
| Apartment Block(Aviva) | 15% |
| Aviation (Hull) | 10% |
| Business Interruption | 10% |
| Commercial Combined | 10% |
| Commercial Combined | 13% |
| Commercial Combined( NBS) | 5% |
| Construction Bond | 10% |
| Contractors All Risks | 10% |
| Contractors All Risks | 10% |
| Cyber Insurance | 10% |
| Directors & Officers | 10% |
| Event Cancellation | 10% |
| Exhibition Insurance | 10% |
| Fire & Perils | 10% |
| Material Damage | 10% |
| Property Owner | 10% |
Royal London Insurance DAC
Whole of Life Protection
The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Whole of Life | 200% | 36% | 60 |
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Term Protection | 200% | 36% | 60 |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Specified | 225% | 36% | 60 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Pension Term | 225% | 36% | 60 |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Mortgage Protection | 200% | 36% | 60 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Income Protection | 225% | 60% | 60 |
RSA Insurance Ireland DAC
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident/Travel | 20% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 17.5% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Motor | 7.5% |
| RSA Broker Motor Insurance Private Car | 8% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Carriers Liability | 20% |
| Employers Liability | 6% |
| Public Liability | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Household | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Apartments/Block of Flats | 15% |
| Cargo | 18.8% |
| Combined | 15% |
| Commercial Vehicle | 5% |
| Contractors All Risks | 15% |
| Engineering | 15% |
| Engineering | 15% |
| Office | 17.5% |
| Property | 12.5% |
| Shop | 15% |
| Traders | 20% |
Securus Insurance Ltd
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| PA/Travel (Chubb) | 10% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity (AXA XLl) | 10% |
| Professional Indemnity (Chubb) | 10% |
| Professional Indemnity (Citynet) | - |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Chubb Masterpiece Motor | 5% |
| HNW Motor - Dual | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Cyber Liability (Various) | 10% |
| Excess Liability (CNA Hardy) | 10% |
| Excess Liability (Chubb) | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Chubb Masterpiece Household | 12.5% |
| Clinical Trials (Chubb) | 10% |
| Commercial Combined (Chubb) | 10% |
| Commercial Combined (Citynet) | - |
| D&O (Chubb) | 10% |
| D&O (HCC) | 10% |
| Engineering (HSB) | 10% |
| Event Cancellation (Chubb) | 10% |
| HNW Household - Dual | 12.5% |
| Kidnap & Ransom (Chubb) | 10% |
| Marine Cargo (CNA) | 10% |
| POL - Securus - offline | 10% |
| POL - Securus - online | 15% |
| Property Owners (Citynet) | 10% |
| Terrorism Cover (Citynet) | - |
| UNOCCUPIED PROPERTY OWNERS INSURANCE QBE | 10% |
| Vacant Property (Securus - offline) | 10% |
| Vacant Property (Securus - online) | 15% |
Standard Life International dac
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| Single Premium PRSA | 5% | 0.5% |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Savings | 15% | 1% | 60 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| Regular Premium PRSA | 5% | 0.5% | 5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| PRB | 5% | 1% |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| Investment | 4% | 1% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Regular Premium pension | 25% | 1% | 8% | 60 |
| Single premium pension | 5% | 1% | - | 48 |
Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| ARF | 4% | 1% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Annuity | 3% |
Stuart Insurances Ltd
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Eversure Home Insurance | 15% |
Specialist Underwriting Services Ltd.
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Travel - Business | 10% |
| Travel - Individual | 10% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident | 10% |
| Personal Accident / Illness | 10% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Miscellaneous Safe | 15% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 12.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Chip Safe | 15% |
| Gourmet Safe | 15% |
| Property Owners | 15% |
| Shop Safe | 15% |
Thomond Underwriting Ltd.
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional indemnity - AmTrust Europe Ltd through Collegiate Underwriting | 12.5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Personal Accident & Illness with Lloyds Insurance Co SA | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Liability with Calpe Insurance Company Limited via Corin Underwriting Ltd | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Contractors All Risk with Great American International Insurance (EU) DAC via Corin Underwriting Ltd | 15% |
| Contractors All Risks with Certain Underwriters at Lloyd's via The Fiducia MGA Co Ltd | 12.5% |
| Cyber with Lloyd's Insurance Co SA | 12% |
| Cyber, Lloyd's Insurance Co SA | 10% |
| Material Damage & BI | 15% |
| Material Damage & BI with Lloyd's Insurance Co SA | 15% |
| Property Owners with LLoyds Insurance Co SA | 15% |
Travelers Insurance Co Ltd
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Employers Liability (Package) | 20% |
| Employers Liability (Stand Alone) | 6% |
| Management Liability Package | 17.5% |
| Motor Trade (Property & Liability covers) | 15% |
| Public Liability (Package) | 20% |
| Public Liability (Stand Alone) | 10% |
| Technology E&O and Cyber Liabilities | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Golf Select | 20% |
| Motor Fleet | 5% |
| Motor Trade Road Risks | 5% |
| Motortrade | 20% |
| Property Covers (Package or Stand Alone but excluding Motor Trade) | 20% |
The Underwriting Exchange Ltd
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Liability | 12.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined | 17.5% |
| Motor Fleet | 7.5% |
| Property | 15% |
Willis Towers Watson
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Asgard Private Car | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Liability | 15% |
| SIMI MOTOR TRADE - LIABILITY | 7% |
| Tradesure Liability | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Asgard Bus & Coach 1-4 | 5% |
| Asgard Bus & Coach Fleet | 5% |
| Asgard Commercial Fleet | 5% |
| Commercial Combined | 15% |
| Golfsure Combined | 15% |
| Golfsure Motor | 5% |
| Golfsure Personal | - |
| Motor Traders | 15% |
| Office Combined | 15% |
| Propsure | 17.5% |
| SIMI MOTOR TRADE - MOTOR | 5% |
| SIMI MOTOR TRADE - PROPERTY, BI, MONEY | 15% |
| Tradesure Commercial Motor | 10% |
Wrightway Underwriting Ltd.
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 7.5% |
| Private Car / Light Commercial Vehicle | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Carriers Liability | 10% |
| Haulage Liability | 8% |
| Trades Liability | 12% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| House | 17.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| ADF&T | 10% |
| Commercial Vehicle | 5% |
| Haulage Fleet | 5% |
| Haulage Single Vehicle | 5% |
| Inspection | 15% |
| Multi Vehicle | 5% |
| Special Types | 5% |
| Traders Transit | 5% |
| Trailer ADF&T | 10% |
Yachtsman Euromarine
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Boat Insurance | 10% |
| Marine Trades | 10% |
Zurich Insurance Plc.
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Annual Travel Policy | 15% |
| Group Personal Accident Travel | 15% |
| Personal Accident Travel Pol. | 15% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Professional Indemnity | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| Private Car | 6.5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Group Personal Accident Policy | 15% |
| Personal Accident Policy | 15% |
| Personal Accident Road & Rail | 15% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Employers Liability | 6% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Combined Caravan/Mobile Home | 15% |
| Household | 15% |
| Household DA | 20% |
| Private Dwelling House Policy | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| Apartment Block Policy | 15% |
| Building in the Course of Erection | 15% |
| Combined Property Policy | 12.5% |
| Commercial Combined | 15% |
| Commercial Combined (U.K.) Pol | 15% |
| Commercial Liability Policy | 10% |
| Commercial Motor Vehicle | 5% |
| Commercial Vehicle | 5% |
| Computer All Risks" Policy" | 15% |
| Contractors All Risks" Policy" | 15% |
| Cyber Policy | 20% |
| Engineering Policy | 15% |
| Farm Fire Policy | 12.5% |
| Fidelity Policy | 15% |
| Fleet Motor Vehicle | 5% |
| Guest House All In" Policy" | 15% |
| Legal Expenses | 25% |
| Marine Policy | 17.5% |
| Mini Fleet Vehicle | 7.5% |
| Miscellaneous Bonds Policy | 15% |
| Motor Traders | 5% |
| Motor Traders Combined | 5% |
| Motor Traders Internal Policy | 10% |
| Office Policy | 15% |
| Private All Risks" Policy" | 15% |
| Residential Care Home Policy | 15% |
| Shop | 15% |
| Small Craft/ Yacht Policy | 15% |
| Tradestar Office | 15% |
| Tradestar Property Owners | 15% |
| Tradestar Shop | 15% |
Zurich Life Assurance plc
Whole of Life Protection
The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Whole of Life | 90% | 18% | 12 |
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Term Protection | 170% | 12% | 12 |
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| Single Premium PRSA | 5% | 0.75% |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Specified | 100% | 12% | 12 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Savings | 10% | 0.5% | 1% | 48 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Pension Term | 100% | 12% | 12 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Regular Premium PRSA | 30% | 0.75% | 5% | 48 |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| PRB | 5% | 0.5% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| Mortgage Protection | 170% | 40% | 12 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| Investment | 5% | 0.5% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| Regular Premium pension | 20% | 0.5% | 3% | 48 |
| Single premium pension | 5.5% | 0.5% | - | - |
Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| ARF | 5% | 0.5% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| Annuity | 3% |
This post was written by admin