Whole Life UL / IUL Commission Grid American General: Elite UL 1st year 65.00% renewal 1.75% excess 1.75% Secure Lifetime GUL 1st year 65.00% renewal 1.75% excess 0.00% Elite Transition UL 1st year 40.00% renewal 14.00% excess 1.75% Elite Survivor Indexed UL/Elite Indexed UL 1st year 65.00% renewal 1.75% excess 1.75% ROP Term - 20yr -35yr term 1st year 70.00% renewal 1.50% American Elite Whole Life 1st year 90.00% renewal 2.75% excess 0.00% AGLA Life AGLA Choice 1st year 80.00% excess 1.00% Accumulator & Protector 1st year 80.00% excess 2.50% Index Plus 1st year 75.00% excess 2.50% AGLA CCT & Flex Term 10yr flex 50.00% 15-19 yr 65.00% 20-35 yr 70.00% Allianz Life Life Pro+ - Option A 1st yr 90.00% ages 0-80 1st excess 2.50% renewal 2.50% Life Pro+ - Option B 1st yr 30.00% ages 0-80 1st excess 13.50% renewal 2.50% GenDex Survivor - Option A 1st year 65.00% ages-18-80 1st yr excess 3.00% renewal 0.00% GenDex Survivor - Option B 1st year 65.00% ages 18-80 1st yr excess 3.00% renewal 0.25%
Americo Home Mortgage Series 1st year 90.00% Renewal 4.00% Home Mortgage Series 100 Term & UL 1st year 90.00% Renewal 0.50% Home Mortgage Series 125 Term & UL 1st year 90.00% Renewal 1.00% Home Mortgage Series ADB 1st yr 90.00% America -continued Ultra Protector 1 - Level Death Benefit - age 50-75 1st yr 90.00% ages 76-80 1st yr 75.00% ages 81-85 1st yr 45.00% ages 50-75 Ren -2-5 6.50% ages 76-85 Ren -2-5 3.00% ages 50-75 Ren 6-10 3.00% ages 76-85 Ren 6-10 0.50% yr 11+ 0.50% Ultra Protector II - Level Death Benefit -age 50-75 1st yr 90.00% ages 76-80 1st yr 75.00% ages 50-75 Ren -2-5 5.00% ages 76-80 Ren -2-5 2.50% ages 50-75 Ren 6-10 2.50% ages 76-80 Ren 6-10 0.50% yr 11+ 0.50% Ultra Protector III (3yr Graded DB) 1st yr 25.00% ages 50-75 ren 2-5 4.00% ren 6+ 0.50% Eagle Premier Level 1st yr 90.00% 1st yr 90.00% 1st yr 50.00% ren 2-10 6.50% ren 2-10 3.25% ren 2-10 3.25% ren 11+ 0.50% Eagle Premier Guarantee Issue 1st yr 25.00% 1st yr 20.00% ren 2-5 4.00% ren 2-5 1.25% ren 6+ 0.50%
Assurity Life Acci - Flex 1st year 90.00% Renewal 2.00% LifeScape Whole Life 1st year 90.00% Renewal 5.00% 10-yr Non-Med Term 350 1st year 68.00% Renewal 2.00% 15-yr Non-Med Term 350 1st year 80.00% Renewal 2.00% 20-yr Non-Med Term 350 1st year 90.00% Renewal 2.00% 30-yr Non Med Term 350 1st year 90.00% Renewal 2.00% 10 -yr Med-Term 350 Plus 1st year 58.00% Renewal 1.50% 15-yr Med Term 350 Plus 1st year 65.00% Renewal 1.50% 20yr / 30 yr Med Term 350 Plus 1st year 75.00% Renewal 1.50% Simplified WL -level& Graded Benefit 1st year 85.00% 2nd yr 15.00% 3rd yr 15.00% 4th yr 13.00% yrs 5-10 9.00% yrs 11+ 3.00% Simplified WL Modified Benefit 1st year 70.00% renewal yr 2-6 5.00% renewal yr 7-10 4.25% renewal yr 11+ 2.00% Century+ Disability Income Insurance 1st year 40.00% yrs 2-10 12.00% yrs 11+ 2.00% Personal Disability Insurance 1st year 50.00% Renewal - yrs 2-1017.5% / yrs 11+ - 4 Simplified Critical Illness 1st year 50.00% Renewal - yrs 2-106% / yrs 11+ - 3.5% Renewal Aviva Life Lifetime Builder 1st year 70.00% 1st yr exces 2.50% Renewal 2.50% S.F 10+ 0.50% Lifetime Builder w/ecv Rider 1st year NA 1st yr exces NOT SOLD Renewal S.F 10+
Aviva - continued Lifetime Builder /Advantage Builder with 1st year 20.00% Simplified Issue/Guaranteed Issue 1st yr exces ren 2-5 Not sold currently ren 6-10 10+ Accordia Life Assure 1st year 70.00% 1yr excess 2.50% ren 2-9 2.50% S.F 10+ 0.50% Accordia Life Provider 1st year 70.00% 1yr excess 2.50% ren 2-9 2.50% SF 10+ 0.50% ART Term 1st year 50.00% ren 2-10 1.00% yr 11+ 1.00% 10-year Term 1st year 50.00% ren 2-10 1.00% yr 11+ 1.00% 20 yr / 30 yr - term 1st year 70.00% ren 2-10 1.00% yr 11+ 1.00% AXA Life Athena SUL IV, series 154 1st year 50.00% excess 1.50% ren 2-10 1.50% Athena UL, Series 152 1st year 50.00% excess 1.50% ren 2-10 1.50% Bright Life Product 155 w/rolling target 1st year 50.00% excess 1.50% ren 2-10 1.50% Brightlife Protect Survivorship, Series 156 1st year 50.00% w/ CVPlus No rolling target excess 1.50% ren 2-10 1.50% Brightlife Term Series 151x 1st year 45.00% ART excess 1.75% Term 10 yr 1st year 55.00% Term 15 yr 1st year 60.00% Term 20 yr 1st year 65.00% ISWL Series 149 1st year 50.00% ren 2-10 1.50%
Banner Life Life Step UL yr 1 50.00% excess 2.00% yrs 2-10 2.00% yrs 11+ 0.00% OP Term 10 1st year 58.00% Renewal 1.00% OP Term 15 1st year 60.00% Renewal 1.00% OP Term 20 1st year 70.00% Renewal 1.00% OP Term 30 1st year 70.00% Renewal 1.00% EMC Life Universal Life 1st yr 70.00% Ultra Choice excess 4.00% ren 2-10 4.00% ren 11+ 4.00% Whole Life (IWL Innovator) 1st yr 60.00% 2nd yr 3.50% yrs 3-10 3.50% yrs 11+ 0.70% Term 1st yr 60.00% EMCNL Term 1st yr 25.00% Renewal renewals 8.00% Youth Plus (years 1 and 2) 1st yr 15.00% F & G Life Choice 1st yr 90.00% ages 18-75 ren yrs 2-10 2.00% excess 2.00% SF 11+ 0.50% Life Elite 1st yr 90.00% ages 18-75 ren yrs 2-10 3.00% excess 2.00% SF 11+ 0.50% Fidelity Life Rapid Decision Senior Life Term & WL 1st year 40.00% ages 50-69 Rapid Decision Senior Life Term & WL 1st year 20.00% ages 70-79 Rapid Decision Senior Life Term & WL 1st year 2.00% age 80+ renewal 0.00%
Fidelity Life Continued RD Express Term 10yr 1st year 58.00% Renewal 0.50% RD Express Term 15 yr 1st year 80.00% Renewal 0.50% RD Express Term 20 yr /30 yr 1st year 90.00% Renewal 0.50% med Hybrid Term Life 1st year 40.00% 10 yr and 15 yr Renewal 0.00% med Hybrid Term Life 1st year 50.00% 20 yr and 30 yr Renewal 0.00% Accidental Death Benefit year 1 60.00% ADB ROP Rider year 1 35.00% Foresters Life Life-FIRST Term 10 yr Term - Medical Year 1 58.00% 20 yr Non-Medical Term Year 1 80.00% 25 yr Non-Medical Term Year 1 90.00% 30 yr Non-Medical Term Year 1 90.00% Renewal on All Above Term yrs 2+ 1.00% 20 yr Medical term year 1 70.00% 25 yr Medical Term year 1 70.00% 30 yr Medical Term year 1 70.00% Renewal on all Medical term yrs 2+ 0.50% Smart UL 1st year 80.00% excess 1.50% ren yr 2-5 1.50% Prepared Accidental Death Benefit 1st year 80.00% renewal yrs 2-10 1.25% Your Legacy SP-Whole Life 1st year 5.00% ren yr 2-5 0.50% Plan Right Life Immediate / Graded Benefit - age 50-80 1st yr 90.00% ages 81-85 1st yr 50.00% yrs 2-5 5.25% yrs 6-10 3.50% yrs 11+ 1.20% Modified Benefit Whole Life 1st year 30.00% yrs 2-10 2.00% yrs 11+ 1.20%
Forester Life Continued Simplified Issue WL Pay 100 1st year 70.00% year 2 renewal 10.00% yrs 3-10 renewal 2.25% WL Pay 20 1st year 45.00% yrs 2-10 renewal 2.25% Term 10 Rider on WL Pay 100 & 20 50.00% yrs 2-10 renewal 2.25% Term 20 Rider on WL Pay 100 & 20 1st year 65.00% yrs 2-10 renewal 2.25% PUAR Payments 2.00% Fully Underwritten WL WL Pay 100 1st year 70.00% years 2-3 renewal 10.00% years 4-10 renewal 6.00% WL Pay 20 1st year 45.00% yrs 2-10 renewal 2.25% Term 10 Rider on WL Pay 100 & 20 1st year 50.00% yr 2-10 renewal 2.25% Term 20 Rider on WL Pay 100 & 20 1st year 65.00% yrs 2-10 renewal 2.25% PUAR Payments 2.00% Genworth Life Colony Term Series 10 yr term 1st year 58.00% renewal 0.00% 15 yr term 1st year 80.00% 20 yr term 1st year 90.00% 25 yr / 30 yr term 1st year 90.00% Foundation Builder Index & Asset Builder 1st year 70.00% Index ULI and II renewal 1.25% Life Ready UL II 1st year 60.00% excess 2.00% renewal yrs 2-10 2.00% renewal yrs 11+ 1.25% Reliastar / Voya Life Voya Protector UL 1st year 60.00% Excess and Renewal yrs 2-4 3.00% Renewals 5-10 3.00% renewals 11+ 0.00%
Voya Continued Voya ROP Endowment Term 1st yr 65.00% 20 yr / 25 yr / 30 yr term yrs 2-4 1.00% yrs 5-10 1.00% Voya term Smart 10 1st year 45.00% renewal 0.00% Voya term Smart 15 1st year 60.00% renewal 0.00% Voya term Smart 20 1st year 65.00% Voya TS 25 /30 1st year 65.00% Voya IUL Global Choice 1st year 60.00% 1st yr excess 3.00% ren 2-10 3.00% John Hancock USA UL G, SUL G, Accumulation UL, Protect UL 1st yr 50.00% Protection IUL, SUL, SIUL, Accu IUL excess 3.00% Premier Life ren 2-10 2.00% Protection UL, Prot IUL - Enhance Spread 1st yr 12.00% comp yr 2 12.00% yr 3 12.00% yr 4 12.00% yr 5 12.00% excess 3.00% ren 2-10 2.00% Protection IUL, Protection SIUL, Accum IUL 1st yr 15.00% Premier Life with CVE yr 2 15.00% yr 3 15.00% yr 4 15.00% excess 3.00% ren 2-10 2.00% Term 10 1st year 50.00% Term 15 1st year 55.00% Term 20 1st year 60.00% Survivorship Term 1st year 60.00% ren 2-10 3.00% Term 10 with Vitality 1st year 50.00% Term 15 with Vitality 1st year 55.00% Term 20 with Vitality 1st year 60.00%
Lafayette Life Patriot 100 /Contender 100 - WL & Term 1st year 90.00% renewal yrs 2-3 5.00% renewal yrs 4-10 4.00% renewal yrs 11+ 1.50% Patriot 100 & Contender 100 Guranteed ages 26-75 1st yr 26-75 60.00% age 76+ 1st yr 76+ 55.00% Heritage 1st year 85.00% renewal 2-3 5.00% renewal 4-10 4.00% renewal 11+ 1.50% Heritage Guaranteed Issue 1st yr - ages 5-25 60.00% 1st yr - ages 26-75 55.00% 1st yr - ages 76+ 50.00% Whole Life, Universal Life, Term Whole life (prior to 2001 CSO) 1st yr 90.00% ren 2-3 5.00% ren 4-10 4.00% ren 11+ 2.00% Vanguard - UL 1st year 90.00% excess / renewal yrs 2+ 2.00% Equity Indexed UL 1st year 90.00% excess / renewal yrs 2+ 1.00% UL Guaranteed Issue 1st year - ages 5-25 65.00% 1st year -ages 26-75 60.00% 1st year - ages 76+ 55.00% Centennial Term Life 1o yr term 1st year 58.00% 15yr term 1st year 65.00% 20 yr term 1st year 85.00% Lincoln Financial Group Lifecurrent, LifeReserve, LifeGuarantee 1st yr 60.00% Accumulator - excess 3.00% renewal 2-5 3.00% renewal 6-15 1.00% Life Elemenents Term 10 yr 1st yr 60.00% Life Elemenents Term 15 yr 1st yr 65.00% Life Elemenents Term 20 yr / 30 yr 1st yr 70.00%
Life of the Southwest UL - Income Builder, Harbor 7, Horizon 7 1st yr 70.00% Flexlife - excess 2.50% Renewal yrs 2-10 2.50% Renewal yrs 11+ 1.75% Secure Plis Advantage 79 1st yr 70.00% Excess 1.88% Renewal yrs 2-10 1.88% Renewal yrs 11+ 1.31% Foundation 1st yr 70.00% Excess 2.50% Renewal yrs 2-10 2.50% Renewal yrs 11+ 1.75% Term 10 yr and 15 yr 1st year 58.00% Renewals yrs 2-10 2.25% Renewal yrs 11+ 1.75% Term 20 yr and 30 yr 1st year 70.00% Renewals yrs 2-10 2.50% Renewal yrs 11+ 1.75% Metlife Guranteed & UL Advantage UL, Legacy SUL 1st year 50.00% yr 1 excess 2.00% yrs 2-10 2.50% yrs 11+ 1.00% 10 year Term 1st year 35.00% 15 year Term 1st year 40.00% 20 year Term 1st year 55.00% 30 year Term 1st year 55.00% Promise Whole Life 2010, 65, 120 1st year 50.00% Minnesota Life Non-EVA - Eclipse IUL, Ecl.Prot IUL 1st year 60.00% Ecl Survivor IUL, Pro IUL, Legacy UL ren yrs 2-10 Accumulator UL, Omega UL excess 1-10 0.50% yrs 11+ 0.50% Secure Whole Life 1st year 60.00% ren yrs 2-5 1.00% yrs 6-10 1.00% yrs 11+ 0.00% cash extra 1.00% SPPUA/AIA 1.00% Secure Accumulator WI & Sec. Protector UL 1st year 60.00% yrs 2-5 ren 5.00% yrs 6-10 5.00% yrs 11+ 1.00% cash extra 1.00% SPPUA/AIA 1.00%
Minnesota Life continue Elite Select 5yr and 10yr term 1st year 58.00% Elite Select 15 yr term 1st year 60.00% Elite Select 20yr and 30 yr term 1st year 65.00% MTL Covenant II 1st yr 65.00% renewal Economax 1st yr 65.00% renewal Vanguard Silver UL 1st yr 60.00% 2-10 ren 3.97% yrs 11+ 2.48% excess 3.26% exc ren 2.48% exc 11+ 2.48% North American Life Custom TermGUL 1st year 85.00% renewal 2.00% Custom GrowthCV 1st year 85.00% renewal 2.00% Custom Gurantee 1st year 80.00% Survivorship GIUL 1st year 70.00% Builder IUL 1st year 85.00% renewal 2.00% Gurantee Builder IUL 1st year 85.00% renewal 1.50% Rapid Builder IUL 1st year 85.00% renewal 3.00% ADDvantage 10 yr term 1st year 68.00% ADDvantage 15 yr Term 1st year 80.00% ADDvantage 20 yr Term 1st year 90.00% renewal 1.50% ADDvantage 30 yr Term 1st year 90.00% renewal 1.50%
Nationwide Insurance YourLife No Lapse Guarantee UL 1sy year 50.00% 1st yr excess 0.75% yrs 2-10 0.75% yrs 11+ 0.50% YourLife SUL II 1st year 50.00% 1st yr excess 0.75% yrs 2-10 0.75% yrs 11+ 0.50% YourLife Current Assumption UL 1st year 50.00% 1st yr excess 0.75% yrs 2-10 0.75% yrs 11+ 0.50% YourLife WL 1st year 40.00% yrs 2+ 0.50% Nationwide 10yr and 15 yr term 1st year 40.00% Nationwide 20yr and 30yr term 1st year 40.00% 1st year 50.00% 1st yr excess 0.75% yrs 2-10 0.50% yrs 11+ 0.50% Penn Mutual Flexible Choice WL 1st year 35.00% yrs 2-3 8.00% yrs 4+ 0.00% Guaranteed Term 10yr, 15yr, and 20yr 1st year 35.00% yrs 2-3 0.00% yrs 4+ 0.00% Survivorship Plus IUL 1st year 30.00% yrs 2-3 1.50% yrs 4+ 0.00% Accumulation Builder II IUL 1st year 30.00% Guaranteed Protection UL yrs 2-3 2.50% yrs 4+ 1.50% Principal Life UL Protector III & SUL Protector 1st year 50.00% Excess 2.00% ren 2-5 1.00% ren 6+ 0.50% UL Life Flex 1st year 50.00% Excess 2.00% ren 2-5 1.00% ren 6+ 0.50% Term2012 - All Terms 1st year 55.00%
Protective Life Protective Custom Ch UL/Advantage Ch UL year 1 70.00% excess 2.00% year 2 1.50% ren 3-10 1.50% yr 11+ 1.00% Protective Survivor UL year 1 70.00% excess 1.50% ren 2-10 1.00% Protective ProClassic year 1 70.00% excess 4.00% year 2 4.00% ren 3-10 4.00% yr 11+ 1.00% Protective CC 10yr Term year 1 50.00% Ren 2-10 1.00% ren 11+ 0.00% Protective CC 15yr Term year 1 55.00% ren 2-10 1.00% ren 11+ 0.00% Protective CC 20yr Term year 1 60.00% ren 2-10 1.00% ren 11+ 0.00% Protective CC 25yr Term year 1 65.00% ren 2-10 1.00% ren 11+ 0.00% Protective CC 30yr Term year 1 70.00% ren 2-10 1.00% ren 11+ 0.00% Protective Survivorship Term -10 year 1st year 65.00% Protective Survivorship Term -20 year 1st year 80.00% Protective Survivorship Term - 30 year 1st year 90.00% SBLI Term T - 10 yr term 1st year 50.00% T - 15 yr Term 1st year 60.00% T - 20 yr Term 1st year 70.00% T - 25 yr Term 1st year 70.00% T - 30 yr Term 1st year 70.00%
Prudential Life Insurance PruLife UL Prot, UL Plus, Index Advant UL 1st year 50.00% excess 2.00% ren 2-4 2.00% ren 5-10 2.00% PruLife SUL Protector 1st year 50.00% excess 2.00% ren 2-4 2.00% ren 5-10 2.00% PruLife Custom Premier 1st year 50.00% excess 3.20% ren 2-4 2.00% ren 5-10 2.00% Term Essential 10, Term Elite 10 & PruTerm 1st year 50.00% Work-Life 65 (issue age 51 and up) renewal 0.00% Term Ess 15, Term Elite 15, PruTerm 1st year 50.00% Work-Life (issue age 46-50) renewal 0.00% TERM ROP 15yr 1st year 50.00% renewal 0.00% Term Ess 20, Term Elite 20, PruTerm 1st year 50.00% Work-Life (issue age 40-45) renewal 0.00% TERM ROP 20yr 1st year 50.00% renewal 0.00% Term Ess 30, Term Elite 30, PruTerm 1st year 50.00% Work-Life (issue age 39 and Below) renewal 0.00% TERM ROP 30yr 1st year 50.00% renewal 0.00% Total Protection Series III - Express 1st year 85.00% United Home Life Issue WL, Deluxe, and Premier 2nd year 12.00% yrs 3-5 7.00% yrs 6-10 2.00% Provider WL - ages 0-80 1st year 90.00% 2nd year 14.50% yrs 3-10 5.00% Guaranteed Issue Whole Life - 1st year 40.00% ages 45-75 yrs 2-10 2.00% ages 20-60 Express Issue Term Plus,Premier 20, 1st year 85.00% Expr Iss T 30, Premier 30, Express I T 65 Express Issue Term Deluxe 20 1st year 80.00% ages 20-60 Graded Benefit Term 10 -ages 25-60 1st year ADB 1st year 70.00% yrs 2-5 renewal 2.00%
TransAmerica TransTerm / Trendsetter Super 20 1st year 70.00% Renewal 0.50% TransTerm / Trendsetter Super 25 1st year 70.00% Renewal 0.50% TransTerm / Trendsetter Super 30 1st year 70.00% Renewal 0.50% TransTerm / Trendsetter Super GWL 1st year 70.00% Renewal 1.00% TransTerm / Trendsetter Super 15 1st year 65.00% Renewal 0.00% TransTerm / Trendsetter Super 10 1st year 60.00% Renewal 0.00% TransTerm / Trendsetter Super YRT & Final 1st year 60.00% Expense 0.50% UL and WL 1st year 50.00% up to age 70 renewal yrs 2-10 2.00% up to age 70 renewal yrs 11-15 0.00% age 70+ renewal yrs 2-5 1.00% TransAce, TA Survivor, TA CV, TU SP/S/P 1st year 50.00% 1st year excess 2.00% up to age 69 renewal yrs 2-10 0.50% up to age 69 renewal yrs 11-15 0.00% age 70+ renewal yrs 2-5 1.00% TransSecure II ISWL 1st year renewal??? Immediate Solution 1st year 50.00% ren 2-5 2.00% ren 6-10 1.00% ren 11+ 2.00% 10-pay Solution 1st year 50.00% renewal 0.00% Easy Solution 1st year 50.00% renewal 2.00%
Transamerica FAMILY (Life Investors) TransACE 2013, TransACE CV 1st year 60.00% Ages 0-69 ex/ren 2-5 3.00% Ages 0-69 ren 6-10 2.00% ages 70+ 1st year 60.00% ages 70+ ex/ren 2-5 3.00% Trendsetter YRT 1st year Trendetter LB 10 yr Term 1st year 68.00% renewal 3.00% Trendetter LB 15 yr Term 1st year 80.00% renewal 3.00% Trendetter LB 20 yr Term 1st year 90.00% renewal 3.00% Trendetter LB 25 yr Term 1st year 90.00% renewal 3.00% Trendetter LB 30 yr Term 1st year 90.00% renewal 3.00% Trendsetter Super 10 yr Term 1st year 68.00% Trendsetter Super 15 yr Term 1st year 80.00% Trendsetter Super 20 yr Term 1st year 90.00% renewal 1.50% Trendsetter Super 25 yr term 1st year 90.00% renewal 1.50% Trendsetter Super 30 yr Term 1st year 90.00% renewal 1.50% Accumulation UL 1st year 90.00% ren 2-10 3.50% ren 11+ 1.00% TransNavigator UL 1st year 65.00% exc 2-10 1.50% ren 2-5 3.00% Acci Protector 1st year 85.00% yr 2+ 1.50%
Standard Life Advantage Shield Term ART and 10yr Term 1st yr 68.00% 15yr Term 1st yr 80.00% 20yr Term 1st yr 90.00% 30yr Term 1st yr 90.00% All Renewals for Advantage Final Expense - Whole Life 1st yr 90.00% renewal 3.50% Group Term 1st yr 13.00% renewal 13.00% Medicare Supplement 1st yr 20.00% renewal 3.00% Critical Illness - employer group 1st yr 15.00% Voluntary Worksite 1st yr 55.00% Individual-simplified issue CL 1st yr 50.00% Fully underwritten CI 1st yr 55.00% United of Omahu Term Life Express 15 1st year 80.00% yrs 2-10 Term Life Express 20 1st year 90.00% yrs 2-10 Term Life Express 30 1st year 90.00% yrs 2-10 Level Product - ages 45-75 1st year 90.00% ages 76-80 1st year 80.00% ages 81-85 1st year 40.00% renewal 2-5 4.50% renewal 6-10 0.00% Graded Product - ages 45-75 1st year 85.00% ages 76-80 1st year 80.00% renewal 2-5 4.50% renewal 6-10 0.00% Whole Life Express - age 40-75 1st year 70.00% age 76+ 1st year 60.00% renewal 2-10 0.00% Term Life Answers 20 yr & 30 yr 1st year 90.00% Term Life Answers 15 yr 1st year 65.00% Term Life Answers 10 yr 1st year 55.00% ACCUM UL Plus ($499,999& less) 1st year 60.00% excess 1.50% ren 2-5 0.00% ren 6-10 0.00%