NON NY LIFE COMPENSATION GUIDE

Transcription

1 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Allianz Generation Planner IITM Life Insurance Policy (0-80) 75 1 GenDex SurvivorSM Option A (FIUL) GenDex SurvivorSM Option B (FIUL) 80 N/A Allianz Life Pro+SM Option A (ages 0-80) Allianz Life Pro+SM Option B (0-80) (2-6) American General Life and Accident Ins Co (AGLA) nwl (2-10) / (11+) AGLAchoice Performer & Provider / 1.5 AGLAchoice Accumulator, Protector & Index Plus IUL / 1.5 AGLAchoice Guarantee Plus (ages 18-60) / 1.5 AGLAchoice Guarantee Plus (ages 61-70) / 1.5 AGLAchoice Guarantee Plus (ages 71-75) / 1.5 AGLAchoice Guarantee Plus (ages 76-80) / 1.5 AGLA CCT Year / 0 AGLA CCT Year / 0 AGLA CCT Year / 0 AGLA CCT Year / 0 AGLA Flex Term Year 60 N/A AGLA Flex Term Year 70 N/A AGLA Flex Term Year 80 N/A AGLA Flex Term Year 90 N/A American General Life Companies Elite UL 85 N/A AG Secure Lifetime GUL II (yr 2-10) AG Secure Survivor GUL II 90 N/A Elite Index UL 90 N/A Elite Survivor Index UL (yr 2-10) American Elite Whole Life (yr 2-99) AG Extend IUL (yr 2-10) AG Choice Index GUL 90 N/A Select- A- Term yr. 100 N/A Select- A- Term 19 yr. 100 N/A Select- A- Term 18 yr. 100 N/A Select- A- Term 17 yr. 100 N/A Select- A- Term 16 yr. 95 N/A Select- A- Term 15 yr. 95 N/A Select- A- Term 10 yr. 75 N/A OP Select- A- Term yr. 100 N/A American National Executive UL (0-69) (yr 2-11+) Executive UL (70-85) (yr 2-11+) Indexed UL (18-69) (yr 2-10)/0.6 (yr 11+) Indexed UL (70-85) (yr 2-10)/0.6 (yr 11+) Affinity 7 Par Whole Life (0-69) (yr 2-10)/0.7 (yr 11+) Affinity 7 Par Whole Life (70-79) (yr 2-10)/0.7 (yr 11+) Affinity 7 Par Whole Life (80-85) (yr 2-10)/0.7 (yr 11+)

2 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Paid Up Additions ider (0-85) (yr 2-11+) AT 80 N/A 10 yr. Term (18-65) 80 N/A 15 yr. Term (18-65) 85 N/A 20 yr. Term (18-60) / 30 yr. Term (18-50) 95 N/A Assurity nwl (2-10) / (11+) LifeScape Whole Life (LSWL) 90 6 / 1.5 Value Enhancement ider (VES & LSVE) /.75 LifeScape 10 Year Non Med Term 350 (NMT10) / 0 LifeScape 15 Year Non Med Term 350 (NMT 15) / 0 LifeScape 20 & 30 Year Non Med Term 350 (NMT23) / 0 LifeScape 10 Year Term 350 Plus* (35010) / 0 LifeScape 15 Year Term 350 Plus* (35015) / 0 LifeScape 20 & 30 Term 350 Plus* (35023) / 0 LifeScape Simplified Whole Life & Graded Benefit(LSLB & LSGB) 100 9(2-3) / 7(4) / 5(5-10) / 1.5(11+) LifeScape Simplified Whole Life Modified Benefit (LSMB) (2-6) / 1.5(7-11+) LifeScape Single Premium Whole Life (LSSP) 5 N/A LifeScape Single Premium Insurance ider (SPI) 3.6 N/A LifeScape Premier (Issue Age 0-75)**(LSPUL) 90 3 / 1.75 LifeScape Premier (Issue Age 76-80)**(LSPUL) 75 3 / 1.75 LifeScape Premier (Issue Age 81-85)**(LSPUL) 55 3 / 1.75 LifeScape AcciFlex (ACCFL) / 0 LifeScape Assured Income Protector (A) 85 2 (2+) Accordia Life (2-9) Lifetime Builder Lifetime Builder w/ecv ider Lifetime Builder / Advantage Builder w/ Simplified/ Guaranteed Issue /1.5** Advantage Builder Survivorship Builder LifeStage - Fixed UL Term 2010 AT Term yr Term , 30 yr **yrs 2-5 / yrs 6-9 AXA (2-10) Athena UL, Series Athena UL, Series 152 w/cvplus **/1.25 Athena Indexed UL, Series 151*** 90 Athena Indexed UL, Series 151 w/cvplus 45 Athena Indexed UL, Series 153**** (written through MONY) Athena Indexed UL, Series 153 w/cvplus (written through MONY) 24 4**/1.25 Athena SUL IV, Series Athena SUL IV, Series 154 w/cvplus ider 45 6**/.75 BrightLife Protect, Series BrightLife Protect, Series 155 w/cvplus ider **/1.25

3 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal BrightLife Grow, Series BrightLife Grow, Series 155 w/cvplus ider **/1.25 Interest Sensitive Whole Life - ISWL Series AT Term Series 150 & 151X (including riders) 75 N/A Term 10 Term Series 150 & 151X (including riders) 80 N/A Term 15 Term Series 150 & 151X (including riders) 90 N/A Term 20 Term Series 150 & 151X (including riders) 100 N/A AT High Profile Individuals Term Series 150 & 151X - Levelized Comp 9 7 (FYC 2-8) / 0 Term 10 High Profile Individuals Term Series 150 & 151X - Levelized Comp 10 8 (FYC 2-7) / 0 **Deferred Comp paid due to iders- Paid Years 2-6 on premium received up to Target Premium during the first policy year (3 year chargeback for all policies with CV Plus ider) ***eduction in comp for issue age (call Commission Specialist for details) ****olling Target Banner Life Life Choice UL 85 1 Life Step UL 75 1 OPTerm 10/Term 10 AI 80 N/A OPTerm 15/Term 15 AI 90 N/A OPTerm 20 & 30 yr./term 20 AI 95 N/A Life Value Term Life Value Term A- List Term (2-5) / 1.5 (6-10) F&G Life FG Life- Choice II (EIUL3) FG Life- Elite II (MEIUL3) FG Life- Heritage- SPIUL (LHIUL)- Ages N/A FG Life- Heritage- SPIUL (LHIUL)- Ages N/A **Term Conversions may pay reduced commissions. Contact carrier to verify Foresters (2-10) enewal Final Expense Graded Benefit Whole Life/Immediate Benefit Whole Life (Iss Age 50-80) (2-5) / 1.75 (6-10) /.75 (11+) Final Expense Graded Benefit Whole Life/Immediate Benefit Whole Life (Iss Age 81-85) (2-5) / 1.75 (6-10) /.75 (11+) Final Expense Modified Benefit Whole Life (2-5) / 1.25 (6-10) /.75 (11+) Lifefirst Term 20 Y Non- Medical without F 100 N/A Lifefirst Term 20 Y Medical 90 N/A Lifefirst Term 10 Y Medical 70 N/A Accidental Death Term (US General States) 100 N/A Accidental Death Term (Alternate States) 87 N/A Advantage Plus Pay Simplified Issue WL* 90 6 (2) /.75 (3-10) Advantage Plus 20 Pay WL* (2-10) Advantage Plus Pay Fully Underwritten WL* 90 6 (2-3) / 1.5 (4-10) Term 10 ider (2-10) Term 20 ider (2-10) PUA (Single & Flexible) Payments (each pymt in all certificate yrs) 2 N/A *Maximum commission age 65 Genworth - GLIC Colony Term Series- 10yr 75 N/A (2-10)

4 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Colony Term Series- 15yr 85 N/A Colony Term Series- 20yr 95 N/A Lifeeady UL II (Current Assumption) GenGuard UL 80 N/A Asset Builder Index UL & Foundation Builder IUL 90 N/A Asset Builder Index UL & Foundation Builder IUL w/ AB LTC ider (Non- estricted States) 90 N/A Asset Builder Index UL & Foundation Builder IUL w/ AB LTC ider (PA) 50 N/A Asset Builder Index UL & Foundation Builder IUL w/ AB LTC ider (WI) 6 N/A Asset Builder Index UL & Foundation Builder IUL w/ AB LTC ider (DE) 32 N/A **If target premium has a Coverage Extension Event, please refer to commission schedule for guidelines. Genworth - GLIC Total Living Cov (TLC) TLC (Linked Benefits - UL/LTC) 8 0 Genworth - GLAIC Colony Term Series- 10yr 75 N/A Colony Term Series- 15yr 85 N/A Colony Term Series- 20yr 95 N/A GenGuard UL 80 N/A Lifeeady UL II (Current Assumption) 80 1 Asset Builder Index UL & Foundation Builder IUL 90 N/A Asset Builder Index UL & Foundation Builder IUL w/ab LTC ider (Non- estricted States) 90 N/A Asset Builder Index UL & Foundation Builder IUL w/ab LTC ider (PA) 50 N/A Asset Builder Index UL & Foundation Builder IUL w/ab LTC ider (WI) 6 N/A Asset Builder Index UL & Foundation Builder IUL w/ab LTC ider (DE) 32 N/A **If target premium has a Coverage Extension Event, please refer to commission schedule for guidelines. Guardian EAST - All comp paid by TPG UL Accumulator - BLICOA, UL SG & UL Survivorship SG- GIAC UltraLife (Accumulation UL) - GLICOA, Survivorshiop UL - GLICOA UltraMax (HECV UL) - GLICOA Current Assumption UL Current Assumption UL High Early CV ider YT, PT YT and LifeSpan (Initial Period) Guardian Level Term 10 and 15 Guardian Level Term 20 and 30 LifeSpan Gold (initial) Whole Life L100, L1000, EstateGuard and L121 ESWL 10 Pay Life Achiever Gold (High Cash Value) ING eliastar Protector UL OP Endowment Term N/A OP Endowment Term N/A OP Endowment Term N/A TermSmart N/A TermSmart N/A (2-10) (2-10)

5 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal TermSmart N/A Security Life of Denver ING IUL- Global ING IUL- Global Waiver of Surrender Charge ING IUL- Global Waiver of Surrender Charge (spread opt)* ING IUL- Global Choice (2-10) ING IUL- Global Choice w/ecv ider (Spread Option)* (2-4)* / 10.5 (5-6) ING Strategic Accum Survivorship UL - Levelized ** (Available in US Virgin Islands) (2-10)** ING Strategic Accum Survivorship UL - Mod SH ** (Available in US Virgin Islands) 25 5 (2-10)** ING Strategic Accum Survivorship UL FUW- SH ** (Available in US Virgin Islands) 33 ING UL- CV (Available in US Virgin Islands) 85 1 ING UL- CV Waiver of Surrender charge 75 1 ING UL- CV Waiver of Surrender Charge (spread opt)* 21 1 ING UL- ECV FUW & GI Levelized** (available in US Virgin Islands) 8 8 (2-10)** ING UL- ECV FUW & GI Semi Heaped** (available in US Virgin Islands) (2-10)** *Spread options pays through year 1-4 based on target prem paid in year 1. **UL- ECV & Strategic Accum UL Levelized FY comp pays for 10 years/ **If the case is a single pay the commissions will be paid in year 1 only** John Hancock Universal Life G ' Survivorship UL G ' Accumulation UL ' Protection UL '12 / Protection SUL ' Protection Indexed UL ' Accumulation Indexed UL ' Premier Life ' Universal Life G '13 w/cve Opt.* Survivorship UL G '13 w/cve Opt.* Accumulation UL '09 w/esv Opt.* Accumulation UL '09 w/cve Opt.* Protection UL '12 w/cve Opt.* Protection SUL '12 w/cve Opt.* Protection Indexed UL '13 w/ CVE Opt.* Accumulation Indexed UL '11 w/cve Opt.* Premier Life '11 w/cve Opt.* Term 10 (2011) 80 N/A Term 15 (2011) 85 N/A Term 20 (2011) 90 N/A Survivior Term 80 1 *FYC on ESV & CVE riders pays deferred comp for years 1-4 based on premium paid in year 1 Liberty Life (2-10) Whole Life (Ages 18-60) (2-15) Whole Life (Ages & 61+) (2-3) / 1.25 (4) / 0.4 (5-15) LP 65 & 20 Pay Whole Life (2-3) / 3(4) / 0.50 (5-15) Passport 10, 15 Term (2-10) / 0.40 (11+) Passport 20, 30 Term (2-10) / 0.40 (11+) Life Insurance Company of the Southwest nwl (2-10)

6 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal LSW Harbor 07** LSW Horizon 07** SecurePlus Paragon** LSW SecurePlus Provider** LSW Income Builder** LSW LifeCycle Solution** LSW Flex Life** LSW Level Term 10, LSW Level Term 20, LSW SecurePlus Advantage LSW Foundation LSW ProtectorLife Balance Sheet Benefit ider*** (yr 7-10) All other commissionable iders ** olling target premiums ***Only available on SecurePlus Paragon, LSW Horizon 07, LSW Flex Life and LSW LifeCycle Solution Lincoln Financial Lincoln LifeCurrent UL Lincoln Lifeeserve UL (2009) / Lifeeserve Indexed UL Protector* Lincoln Lifeeserve Indexed UL Accumulator (aka IUL (2011)** Lincoln LifeGuarantee UL (2013) Lincoln LifeGuarantee SUL (2013) Lincoln Treasury Indexed UL Lincoln LifeElements 10yr (2013) 90 N/A Lincoln LifeElements 15yr (2013) 100 N/A Lincoln LifeElements 20, 30yr (2013) 115 N/A *Call Commissions Specialist for details on commission structure and rates for Lifeeserve UL with Exec ider (N/A for Lifeeserve Indexed UL (2009)) **Call Commissions Specialist for details on commission structure and rates for Lifeeserve Indexed UL Accumulator with Exec ider Life Guarantee SUL (2011) not available in CA. Old SUL product is available in CA and pays excess. Moneyguard Moneyguard eserve Plus - Single pay* 6 N/A Moneyguard eserve Plus - Flex pay 49 2 Mass Mutual Legacy 100/Survivorship WL 55 3 Legacy 20 Pay (Issue age 0-24) 40 3 Legacy 20 Pay (Issue age 25-70) 50 3 Legacy 20 Pay (Issue age 71) 49 3 Legacy 20 Pay (Issue age 72) 48 3 Legacy 20 Pay (Issue age 73) 47 3 Legacy 20 Pay (Issue age 74) 46 3 Legacy 20 Pay (Issue age 75) 45 3 Legacy 10 Pay- Up to $150k premium (Issue Age 0-70) 30 3 Legacy 10 Pay- $150k to $300k premium (Issue Age 0-70) 30 3 Legacy 10 Pay- $300k+ premium (Issue Age 0-70) 30 3 Legacy 10 Pay- $300k+ premium (Issue Age 71) (2-10)

7 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Legacy 10 Pay- $300k+ premium (Issue Age 72) Legacy 10 Pay- $300k+ premium (Issue Age 73) Legacy 10 Pay- $300k+ premium (Issue Age 74) Legacy 10 Pay- $300k+ premium (Issue Age 75) 28 3 Legacy Paid up at 65 (Issue Age 0-40) 55 3 Legacy Paid up at 65 (Issue Age 41) 54 3 Legacy Paid up at 65 (Issue Age 42) 53 3 Legacy Paid up at 65 (Issue Age 43) 52 3 Legacy Paid up at 65 (Issue Age 44) 51 3 Legacy Paid up at 65 (Issue Age 45) 50 3 Legacy Paid up at 65 (Issue Age 46) 48 3 Legacy Paid up at 65 (Issue Age 47) 46 3 Legacy Paid up at 65 (Issue Age 48) 44 3 Legacy Paid up at 65 (Issue Age 49) 42 3 Legacy Paid up at 65 (Issue Age 50) 40 3 Legacy Paid up at 65 (Issue Age 51) 38 3 Legacy Paid up at 65 (Issue Age 52) 36 3 Legacy Paid up at 65 (Issue Age 53) 34 3 Legacy Paid up at 65 (Issue Age 54) 32 3 Legacy Paid up at 65 (Issue Age 55) 30 3 Legacy Paid up at 65 (Issue Age 56) 27 3 Legacy Paid up at 65 (Issue Age 57) 24 3 Legacy Paid up at 65 (Issue Age 58) 21 3 Legacy Paid up at 65 (Issue Age 59) 18 3 Legacy Paid up at 65 (Issue Age 60) 15 3 UL Guard/Survivorship UL Guard (2-10) /.75 (11+) HECV (High Early Cash Value) 11 (2-5) 6.5 (6-10) 20 Year Term (2-5) /.4 (6-10) 10 Year Term (2-5) /.4 (6-10) MetLife Investors (2-10) GAUL, LASUL, UAUL, Provider UL (Category I) GLT 10 (Category III) 70 N/A GLT 15 (Category II) 80 N/A GLT 20 (Category II) 80 N/A GLT 30 (Category II) 70 N/A Promise WL, Promise WL 120, Whole Life Select 65, FT up to G85 (Category IV) Promise Whole Life Select N/A Promise Whole Life Select N/A Enricher Option (PAI), FT above G85 (Category V) OYT (One Year Term) w/convertible & enewable ider 3 N/A Minnesota Life Accum UL, Eclipse Index, Eclipse Protector, Eclipse Survivor, Eclipse Survivor Pro (2-10) / 0 (11+) Legacy Protector SUL (2-10) / 0 (11+) Advantage Elite 5/10 65 N/A Advantage Elite N/A

8 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Advantage Elite 20/30 90 N/A Secure Whole Life SPPUA/AIA (2+) Secure Accumulator Whole Life 80 4 (2-5) / 1.5 (6-10) Secure Protector Whole Life 80 4 (2-5) / 1.5 (6-10) Secure Protector Whole Life Custom Pay Excess (2+) AUL & Eclipse Products w/enhanced Value Agrmnt (EVA) 25 8 (2-5) (FY Target) CAT & CAT- SD (2+) National Life NL Estate Provider 60 2 Level Term 70 2 AT 10 8 (yrs 2-4) / 7 (5-8) / 1.5 (9-10) High Early Cash Value (1-8) 1.5 (9-10) NL LifeBuilder (0-59) 70 6 (2-3) / 3 (4-10) NL LifeBuilder (60-69) 70 6 (2-3) / 3 (4-10) NL Lifebuilder (70-72) (2-3) / 2.75 (4-10) NL Lifebuilder (73-74) (2-3) / 2.75 (4-10) NL Lifebuilder (75-76) (2-3) / 2.75 (4-10) NL Lifebuilder (77-78) (2-3) / 2.75 (4-10) NL Lifebuilder (79-80) (2-3) / 2.75 (4-10) NL Lifebuilder (81-82) (2-3) / 2.75 (4-10) NL Lifebuilder (83-85) (2-3) / 2.75 (4-10) AC/CCP Comp iders (0-59)* (2-3) / 8 (4) / 11.5 (5) / 3 (6-10) AC/CCP Comp iders (60-69) (2-3) / 8 (4) / 11.5 (5) / 3 (6-10) AC/CCP Comp iders (70-72) (2-3) / 6.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (73-74) (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (75-76) (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (77-78) (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (79-80) (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (81-82) (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (83-85) (2-3) / 5.5 (4) / 9 (5) / 2.6 (6-10) Ultra Select 65 3 U/S- Balanced Sheet Benefit ider(bsb) (2-6) / 3 (7-10) NL AssurePlus Protector UL 65 3 FlexLife 65 3 (6-10) FlexLife Balanced Sheet Benefit ider (BSB) (2-6) / 3 (7-10) LifeCycle Solution 65 3 (6-10) LifeCycle Solution Balanced Sheet Benefit ider (BSB) (2-6) / 3 (7-10) ValuGuard (2-3) / 3 (4-10) National Western NWL Lifetime eturns Select- Single Prem (Age 45-75) Non- Tobacco 7 N/A NWL Lifetime eturns Select- Single Prem (Age 76) Non- Tobacco 5.8 N/A NWL Lifetime eturns Select- Single Prem (Age 77) Non- Tobacco 5.1 N/A NWL Lifetime eturns Select- Single Prem (Age 78) Non- Tobacco 4.4 N/A NWL Lifetime eturns Select- Single Prem (Age 79) Non- Tobacco 3.7 N/A NWL Lifetime eturns Select- Single Prem (Age 80) Non- Tobacco 3 N/A

9 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal NWL Lifetime eturns Select- Single Prem (Age 81) Non- Tobacco 2.2 N/A NWL Lifetime eturns Select- Single Prem (Age 82) Non- Tobacco 1.4 N/A NWL Lifetime eturns Select- Single Prem (Age 83) Non- Tobacco 0.6 N/A NWL Lifetime eturns Select- Single Prem (Age 45-60) Tobacco 7 N/A NWL Lifetime eturns Select- Single Prem (Age 61) Tobacco 6.3 N/A NWL Lifetime eturns Select- Single Prem (Age 62) Tobacco 6 N/A NWL Lifetime eturns Select- Single Prem (Age 63) Tobacco 5.9 N/A NWL Lifetime eturns Select- Single Prem (Age 64) Tobacco 5.7 N/A NWL Lifetime eturns Select- Single Prem (Age 65) Tobacco 5.5 N/A NWL Lifetime eturns Select- Single Prem (Age 66) Tobacco 5.4 N/A NWL Lifetime eturns Select- Single Prem (Age 67) Tobacco 5.3 N/A NWL Lifetime eturns Select- Single Prem (Age 68) Tobacco 5.2 N/A NWL Lifetime eturns Select- Single Prem (Age 69) Tobacco 5.1 N/A NWL Lifetime eturns Select- Single Prem (Age 70) Tobacco 5 N/A NWL Lifetime eturns Select- Single Prem (Age 71) Tobacco 4.8 N/A NWL Lifetime eturns Select- Single Prem (Age 72) Tobacco 4.6 N/A NWL Lifetime eturns Select- Single Prem (Age 73) Tobacco 4.4 N/A NWL Lifetime eturns Select- Single Prem (Age 74) Tobacco 4.2 N/A NWL Lifetime eturns Select- Single Prem (Age 75) Tobacco 4 N/A NWL Lifetime eturns Select- Single Prem (Age 76) Tobacco 3.5 N/A NWL Lifetime eturns Select- Single Prem (Age 77) Tobacco 3 N/A NWL Lifetime eturns Select- Single Prem (Age 78) Tobacco 2.5 N/A NWL Lifetime eturns Select- Single Prem (Age 79) Tobacco 2 N/A NWL Lifetime eturns Select- Single Prem (Age 80) Tobacco 1.5 N/A NWL Lifetime eturns Select- Single Prem (Age 81) Tobacco 1 N/A NWL Lifetime eturns Select- Single Prem (Age 82) Tobacco 0.5 N/A NWL Lifetime eturns Select- 5 Pay Prem (Age 45-75) 31 N/A NWL Lifetime eturns Select- 5 Pay Prem (Age 76) 26 N/A NWL Lifetime eturns Select- 5 Pay Prem (Age 77) 21 N/A NWL Lifetime eturns Select- 5 Pay Prem (Age 78) 16 N/A NWL Lifetime eturns Select- 5 Pay Prem (Age 79) 11 N/A NWL Lifetime eturns Select- 5 Pay Prem (Age 80-85) 1 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 45-64) 60 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 65-69) 55 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 70-75) 50 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 76) 38 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 77) 26 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 78) 14 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 79) 2 N/A NWL Lifetime eturns Select- 10 Pay Prem (Age 80) 1 N/A NWL Lifetime eturns w/asset Based nwls (Age 0-85) (2-20) / 0.8 (21+) NWL Maxwealth- The Bonus Series (PA only) (Age 45-80) 7.5 N/A NWL Maxwealth- The Bonus Series (PA only) (Age 81-85) 6.5 N/A NWL Life 100 (Age 0-79) (2-7) / 0.1 (8+) NWL Life 100 (Age 80-85) (2-7) / 0.1 (8+)

10 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal NWL Lifetime eturns Solutions (Age 45-75) 9.5 N/A NWL Lifetime eturns Solutions (Age 76) 8.2 N/A NWL Lifetime eturns Solutions (Age 77) 6.9 N/A NWL Lifetime eturns Solutions (Age 78) 6.1 N/A NWL Lifetime eturns Solutions (Age 79) 4.3 N/A NWL Lifetime eturns Solutions (Age 80-85) 3.25 N/A NWL Life Advantage (Age 20-65) 16 3 (2-5) NWL Life Advantage (Age 66-75) 6 N/A NWL Living Benefit Term (2-10) NWL Secure TEM 10 Yr (Age 20-60) 70 N/A NWL Secure TEM 15 Yr (Age 20-60) 75 N/A NWL Secure TEM 20 Yr (Age 20-60) 80 N/A NWL Secure TEM 30 Yr (Age Non- Tobacco) 85 N/A NWL Secure TEM 30 Yr (Age Tobacco) 85 N/A NWL Term 10 Yr ( Age 20-75) 70 N/A NWL Term 15 Yr (Age 20-70) 75 N/A NWL Term 20 Yr (Age 20-65) 80 N/A NWL Term 30 Yr (Age Non- Tobacco) 85 N/A NWL Term 30 Yr (Age Tobacco) 85 N/A Nationwide (2-10) / (11+) YourLife No Lapse Guarantee UL /.75 YourLife SUL II /.75 Your Life Current Assumption UL* (suspended Face Amts 1mil+) (3-10) /.75 (11+) YourLife IUL/Executive IUL (3-10) / 0.4 (11+) YourLife IUL w/cop ider 27 9 (Target 2-5) /.75 ( 2-10) / 0.4 ( 11+) Future Executive UL 22 1 / 0 / 0.10*** YourLife Term II 10,15,20,30 yr Face amts 500K+ (only available in AZ,CA,DE,FL,MT,NY &VA) 70 N/A YourLife Term II 10,15,20,30 yr w/spouse ider (only available in AZ,CA,DE,FL,MT,NY & VA) 65 N/A YourLife Term II 10,15,20,30 yr w/child ider (only available in AZ,CA,DE,FL,MT,NY & VA) 44 N/A YourLife WL 65 1 YourLife WL w/spouse ider 65 N/A YourLife WL w/child ider 44 N/A YourLife Guaranteed Level Term 10,15, 20 & 30 yr Face Amounts <500k (N/A in AZ,CA,DE,FL,MT,NY & VA) 65 N/A YourLife Guaranteed Level Term 10,15, 20 & 30 yr Face Amounts >500k (N/A in AZ,CA,DE,FL,MT,NY & VA) 65 N/A YourLife Guaranteed Level Term 10,15, 20 & 30 yr w/spouse ider (N/A in AZ,CA,DE,FL,MT,NY & VA) 65 N/A YourLife Guaranteed Level Term 10,15, 20 & 30 yr w/child ider (N/A in AZ,CA,DE,FL,MT,NY & VA) 44 N/A *This product has 2 yr rolling target. New York Life UL LTG (yr 2-7) /.75 (yr 8-10) SUL LTG (yr 2-7) /.75 (yr 8-10) Whole Life & Modified Premium WL*** (yr 2-5) / 5 (yr 6-10) Custom Whole Life*** 75 4 (yr 2-4) / 2.25 (yr 5-10) Survivorship WL (yr 2-5) / 5 (yr 6-10) UL AD111 / SUL AD (yr 2-7) ULCG & SULCG 75 3 (yr 2-7)

11 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Yearly Convertible Term AD (yr 2-5) Level Convertible Term AD110 (LCT 10-20) (LCT 50) 65 4 (yr 2-5) Asset Preserver (age 40-75) 6 N/A Single Premium Universal Life (Instant Legacy)*** 4 N/A ***contact Commission Specialist for issue ages over 70 North American Custom TermGUL 95 1 Custom GrowthCV** 95 1 Custom Guarantee 90 1 Survivorship GIUL** Builder IUL 95 2 Guarantee Builder IUL apid Builder IUL** ADDvantage N/A ADDvantage N/A ADDvantage N/A ADDvantage N/A ** Call Agency Services for Comp Schedule if FY Premium is $250,001 or greater on policies that choose the Waiver of Surrender Charge Option. OneAmerica/State Life nwl Asset- Care I 8 N/A Asset- Care II/III 6.5 N/A Limited Pay Asset Care IV Single Life (all ages) pay (2-20 yrs) Limited Pay Asset Care IV Single Life (all ages) pay (2-20 yrs) Limited Pay Asset Care IV Single Life (all ages) pay (2-20 yrs) Whole Life Asset Care IV Single Life (all ages) (2-21+ yrs)* Limited Pay Asset Care IV Joint Life (all ages) pay (2-20 yrs) Limited Pay Asset Care IV Joint Life (all ages) pay (2-20 yrs) Limited Pay Asset Care IV Joint Life (all ages) pay (2-20 yrs) Whole Life Asset Care IV Joint Life (all ages) (2-21+ yrs)* Plus ider (for Asset- care, Annuity Care & Indexed Annuity Care) (2-10 yrs) * Whole Life Asset Care policy pays 3 % renewal commissins for years 21 and after. ** Whole Life Asset Care has regulations - read comp schedule for details. Pacific Life Term Pacific Income 65 3 (yrs 2-5) Pacific AT 75 N/A Pacific N/A Pacific N/A Pacific Life Flex Protector II - High Band TQ¹ / 1.5 / 1.5* Flex Protector II - ECV High Band TQ¹ / 1.5 / 1.5* Flex Protector II - Low Band TQ²,³ / 1.5 /1.5* Flex Protector II - ECV Low Band TQ²,³ / 1.5 / 1.5* Flex Protector II - High Band NQ¹ / 1.5 / 1.5* Flex Protector II - ECV High Band NQ¹ / 1.5 /1.5* Flex Protector II - Low Band NQ²,³ / 1.5 / 1.5* Flex Protector II - ECV Low Band NQ²,³ / 1.5 / 1.5*

12 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Flex XV - High Band TQ¹ / 1.5 / 1.5* Flex XV- ECV High Band TQ¹ / 1.5 / 1.5* Flex XV - Low Band TQ²,³ / 1.5 / 1.5* Flex XV - ECV Low Band TQ²,³ /.15 / 1.5* Flex XV - High Band NQ¹ / 1.5 / 1.5* Flex XV - ECV High Band NQ¹ / 1.5 / 1.5* Flex XV - Low Band NQ²,³ / 1.5 / 1.5* Flex XV - ECV Low Band NQ²,³ / 1.5 / 1.5* Pacific Indexed Accumulator III - Base Option A /.75 /.75*** Pacific Indexed Accumulator III - Base Option B / 1.5 / 1.5*** Pacific Indexed Accumulator III - SVE 09 Option A / 1.5 /1.5** Pacific Indexed Accumulator III - SVE 09 Option B / 9.8 / 1.5** Pacific Indexed Accumulator III - OP4 Option A / 8 / 1.5 / 1.5*** Pacific Indexed Accumulator III - OP4 Option B / 9 / 9 / 1.5*** Pacific Indexed Accumulator 4 - Base Option A /.75 /.75*** Pacific Indexed Accumulator 4 - Base Option B / 1.5 / 1.5*** Pacific Indexed Accumulator 4 - Base Option C (T2-5) Pacific Indexed Accumulator 4 - SVE Option A / 1.5 / 1.5** Pacific Indexed Accumulator 4 - SVE Option B / 11 / 1.5*** Pacific Indexed Accumulator 4 - SVE Option C / 11 / 1.5*** Pacific Indexed Accumulator 4 - OP24 Option A / 1.5 / 1.5*** Pacific Indexed Accumulator 4 - OP24 Option B / 9 (T4) / 20 (T5) / 1.5 (T6+) Pacific Indexed Accumulator 4 - OP24 Option C / 9 (T4) / 20 (T5) / 1.5 (T6+) / 3 / 3 / 2** Pacific Estate Preserver III (no FDNLG) - Base Option A 85 4 / 4 / 1.5** Pacific Estate Preserver III (no FDNLG) - Base Option B / 1.5 / 1.5** Pacific Estate Preserver III (no FDNLG) - SVE Option A / 8.7 / 1.5** Pacific Estate Preserver III (no FDNLG) - SVE Option B /.75 /.75*** Indexed Pacific Estate Preserver - Base Option A / 1.5 / 1.5*** Indexed Pacific Estate Preserver - Base Option B (T2-5) Indexed Pacific Estate Preserver - Base Option C / 1.5 /1.5*** Indexed Pacific Estate Preserver - SVE 09 Option A / 8.9 / 1.5*** Indexed Pacific Estate Preserver - SVE 09 Option B / 8.9 / 1.5*** Indexed Pacific Estate Preserver - SVE 09 Option C /.75 /.75*** Pacific UL 2 Pacific Prime UL & UL NLG - Base Option A / 1.5 / 1.5 *** Pacific Prime UL & UL NLG - Base Option B /.75 /. 75*** Pacific Prime IUL - Base Option A / 1.5 / 1.5*** Pacific Prime IUL - Base Option B 75 Pacific Indexed Performer LT - Base Option A Pacific Indexed Performer LT - Base Option B Pacific Indexed Performer LT - Base Option C (T2-5) Versa Flex NLG - Base Option A Versa Flex NLG - Base Option B Versa Flex NLG - SVE Option A /.5 / 1.5** Versa Flex NLG - SVE Option B / 8.7 / 1.5**

13 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Versa Flex Pro II- CV - Base Option A Versa Flex Pro II- CV- Base Option B Versa Flex Pro II- CV - SVE 09 Option A / 1.5 /1.5** Versa Flex Pro II- CV - SVE 09 Option B / 9.6 / 1.5** Versa Flex Pro II- DB - Base Option A /.75 /.75*** Versa Flex Pro II- DB- Base Option B / 1.5 / 1.5*** Versa Flex Pro II- DB - Base Option A (GTCO) / 4.2 / 1.5*** Versa Flex Pro II- DB- Base Option B (GTCO) / 14.2 / 1.5*** PIME N/A PIME N/A PIME 20 & PIME N/A ¹ Total annualized premium at issue is greater than or equal to $15,000. ² Total annualized premium at issue is less than $15,000 and total face amount is $50,000 or greater. ³ If total annualized premium at issue is less than $15,000 and total face amount is less than $50,000 refer to schedule for different payouts. 4 The OP rider is only available on premium- financed PIA III cases with issue ages * yr 2-5/yr 6-10/ yr 11+ ** target 2-3/ target 4-10 / target 11+ *** target 2-3 / target 4-5 / target 6-10 / target 11+ Principal National Life Insurance Company (2-5) / (6+) UL Protector IV / 0.4 (6-10) Indexed UL / 0.4 (6-10) SUL Protector II / 0.4 (6-10) UL Flex II / 0.4 (6-10) UL Accumulation II / 0.4 (6-10) UL Accumulation II w/ SVE 25 9 (2-4) /.75 (5) / 0.4 (6+) 2014 Term - 10 Year 60 N/A 2014 Term - 15 Year 60 N/A 2014 Term - 20 Year 60 N/A 2014 Term - 30 Year 60 N/A Protective Life Protective Advantage Choice UL, Protective Custom Choice UL Lifetime Whole Life 90 6 Protective Survivor UL Protective CITICALanswer 75 3 Protective ProClassic UL 90 3 Protective ProClassic UL w/ecsv 45 6 (2-5) / 1.2 ( 6-10) Protective Survivorship Term 10 yr 70 N/A Protective Survivorship Term 20 yr 85 N/A Protective Survivorship Term 30 yr 85 N/A Protective Custom Choice UL 10 Year 70 N/A Protective Custom Choice UL 15 Year 80 N/A Protective Custom Choice UL 20 Year 85 N/A Protective Custom Choice UL 25 Year, 30 Year 85 N/A Protective Index Choice UL Issue age rules: A - If the issue age is 66 or over, commissions will be based on the target premium of issue age 65. B - Full target commissions will be paid on all issue ages. Prudential PruLife Universal Protector / 1.5*

14 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal PruLife Universal Plus / 1.5* PruLife Universal Plus with Enhanced Cash Value ider / 2 / 1.5*** PruLife SUL Protector / 1.5* PruLife Index Advantage UL / 1.5* Term Essential 10 and Term Elite N/A Term Essential 15 and Term Elite N/A Term Essential 20 and Term Elite N/A Term Essential 30 and Term Elite N/A PruTerm One N/A Term OP 15 (Not offered in NJ, see NY schedule) 80 N/A Term OP 20 (Not offered in NJ, see NY schedule) 80 N/A Term OP 30 (Not offered in NJ, see NY schedule) 80 N/A Term Work Life 65 (Issue age 51+) 80 N/A Term Work Life 65 (Issue age 46-50) 80 N/A Term Work Life 65 (Issue age 40-45) 80 N/A Term Work Life 65 (Issue age 0-39) 80 N/A ***With ECV ider comp after year 1 pays as follows: Target years 2-6 / enewal years 2-4 / enewal years 5-10 *enewal yrs 2-4 / yrs 5-10 **Excess yrs 1 / yrs 2-4 / yrs 5-10 SBLI T N/A T N/A T N/A T N/A T N/A YT 80 N/A Continuous Pay WL 70 1 (2-10) 10 Pay WL (L10) (2-4) 15 Pay WL (L15) (2-6) 20 Pay WL (L- 20) (2-3 ) / 0.2 (4-5) Paid up at 65 WL (L- 65) - Age < (2-6) Paid up at 65 WL (L- 65) - Age (excluding age 50) (2-4) Paid up at 65 WL (L- 65) - Age (2-6) SPL (Whole Life) 2 N/A C (Whole Life) 85 N/A PUA (WL ider): New Premium 1 N/A L10 (WL Term ider) 50 N/A L15 (WL Term ider) 55 N/A L30, L25, L20 (WL Term iders) 60 N/A Waiver of Premium: All Products Except SPWL 15 N/A Waiver of Premium: SPWL 1.25 N/A Symetra Life Insurance Company Symetra UL (F/U)* 75 1 Classic UL (F/U)** 75 1 SUL- G 1.0 (F/U)** 75 1 nwl

15 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal 10 & 15 year Term Life (F/U) 75 N/A 20 & 30 year Term Life (F/U) 90 N/A *enewal/wscess: Over 1st yr annual target through 6th policy yr. **Excess over 1st yr annual target through 1st policy yr. Transamerica Freedom Index UL II and Freedom Global IUL (2-10) All Fixed UL Products* (TransACE 2010, TransACE CV, TransUltra SP 2006, TransUltra Select SP 2006, TransUltra Plus 2006) (2-10) TransACE (2-5) TransACE 2013** (2-5) TransSecure II ISWL (2-11+) Trendsetter Super N/A Trendsetter Super N/A Trendsetter Super 20, 25, N/A Trendsetter Express Trendsetter Express Trendsetter Express 20, 25, Trendsetter LB Trendsetter LB 15, 20, 25, GWL 90 N/A Trendsetter Super YT/Final Expense 75 N/A Immediate Solution (Final Expense) (2-5) / 3 (6-10) 10 Pay Solution (Final Expense) (2-10) Easy Solution (Final Expense) 80 4 (2-10) **olling Target for first 24 months 80 Transamerica TransProtector UL (Ages 30-50)** 5 N/A TransProtector UL (Ages 51-60)** 4.25 N/A TransProtector UL (Ages 61-70)** 2.75 N/A TransProtector UL (Ages 71-80)** 1.75 N/A **TransPrector UL pays First Year rates till end of policy when single premiums and scheduled required premiums are paid inculding excess. Union Central Life/Ameritas Life Ins Co (2-5) / (6-10) Excel Essential UL 50 1 Excel Plus Index UL 50 1 Excel Plus Index UL w/ Accnt Benefit ider / 1.5 Excel Index UL 50 1 Excel Index UL w/ Accnt Benefit ider / 1.5 Excel LifeValue UL 50 1 Excel LifeValue UL w/ Accnt Benefit ider / 1.5 Excel Life Value SUL 50 1 Keystone Term Keystone Term 10, Keystone Term 20, Keystone Term Child ider 50 1 Keystone Foundation WL - Base & TPL ider 50 2 Keystone Foundation WL - Term & Child ider 40 1

16 ATTENTION: ates presented are not a permanent offer and are subject to change without notice by MGA or Carrier. Contact the Commissions Carrier/Products Agent Agent enewal Keystone Foundation WL - PUC 3 2 Keystone Foundation WL - PUS 3 2 Keystone Whole Life - Base & Suppl iders 50 2 Keystone Whole Life - Term & Child ider 40 1 Keystone Whole Life - Level Term ider (10, 15 yr plans) 50 4 /.5 Keystone Whole Life - Level Term ider (20, 30 yr plans) 50 4 /.5 Keystone Whole Life - PUC 3 2 Keystone Whole Life - PUS 3 2 *Keystone Whole Life not available in WI United of Omaha Accum UL Plus - Face Amounts $499,999 & less (2) / 1 (3-10) Accum UL Plus - Face Amounts $500,000 & greater (2) / 1 (3-10) Accum UL Answers, GUL, GUL Plus/Survivor (2-5) / 1 (6-10) GUL Express (2-10) Whole Life Express Ages 0-75 (available only in CA) (2-10) Whole Life Express Ages 76+ (available only in CA) 100 N/A Children's Whole Life 100 N/A Term Life Answers N/A Term Life Answers N/A Term Life Answers 20&30 90 N/A United of Omaha (2-10) Term Life Express 15 yr, 20yr, 30yr Zurich (2-10) Guaranteed Death Benefit UL* Index UL** Survivor Index UL** Term- 10 Year 65 N/A Term- 15 Year 75 N/A Term- 20 Year 85 N/A *2 year olling Target **Lifetime olling Targets