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) 80 1.25 GenDex SurvivorSM Option B (FIUL) 80 N/A Allianz Life Pro+SM Option A (ages 0-80) 90 1.5 Allianz Life Pro+SM Option B (0-80) 45 9.1 (2-6) American General Life and Accident Ins Co (AGLA) nwl (2-10) / (11+) AGLAchoice Performer & Provider 80 1.5 / 1.5 AGLAchoice Accumulator, Protector & Index Plus IUL 80 1.5 / 1.5 AGLAchoice Guarantee Plus (ages 18-60) 80 1.5 / 1.5 AGLAchoice Guarantee Plus (ages 61-70) 80 1.5 / 1.5 AGLAchoice Guarantee Plus (ages 71-75) 80 1.5 / 1.5 AGLAchoice Guarantee Plus (ages 76-80) 75 1.5 / 1.5 AGLA CCT 10-12 Year 60 1.5 / 0 AGLA CCT 15-17 Year 70 1.5 / 0 AGLA CCT 18-30 Year 80 1.5 / 0 AGLA CCT 31-35 Year 90 1.5 / 0 AGLA Flex Term 10-17 Year 60 N/A AGLA Flex Term 18-24 Year 70 N/A AGLA Flex Term 25-30 Year 80 N/A AGLA Flex Term 31-35 Year 90 N/A American General Life Companies Elite UL 85 N/A AG Secure Lifetime GUL II 90.75 (yr 2-10) AG Secure Survivor GUL II 90 N/A Elite Index UL 90 N/A Elite Survivor Index UL 90.75 (yr 2-10) American Elite Whole Life 105 1.5 (yr 2-99) AG Extend IUL 65 12 (yr 2-10) AG Choice Index GUL 90 N/A Select- A- Term 20-30 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 20-35 yr. 100 N/A American National Executive UL (0-69) 90 1.5 (yr 2-11+) Executive UL (70-85) 85 1.5 (yr 2-11+) Indexed UL (18-69) 90 1.5 (yr 2-10)/0.6 (yr 11+) Indexed UL (70-85) 85 1.5 (yr 2-10)/0.6 (yr 11+) Affinity 7 Par Whole Life (0-69) 90 1.5 (yr 2-10)/0.7 (yr 11+) Affinity 7 Par Whole Life (70-79) 70 1.5 (yr 2-10)/0.7 (yr 11+) Affinity 7 Par Whole Life (80-85) 35 1.5 (yr 2-10)/0.7 (yr 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 Paid Up Additions ider (0-85) 2 1.5 (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) 2.75 2 /.75 LifeScape 10 Year Non Med Term 350 (NMT10) 85 1.5 / 0 LifeScape 15 Year Non Med Term 350 (NMT 15) 95 1.5 / 0 LifeScape 20 & 30 Year Non Med Term 350 (NMT23) 105 1.5 / 0 LifeScape 10 Year Term 350 Plus* (35010) 80.75 / 0 LifeScape 15 Year Term 350 Plus* (35015) 85.75 / 0 LifeScape 20 & 30 Term 350 Plus* (35023) 95.75 / 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) 90 4.5(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) 100.75 / 0 LifeScape Assured Income Protector (A) 85 2 (2+) Accordia Life (2-9) Lifetime Builder 90 1.5 Lifetime Builder w/ecv ider 16.5 2.75 Lifetime Builder / Advantage Builder w/ Simplified/ Guaranteed Issue 22.5 6.5/1.5** Advantage Builder 60 1.5 Survivorship Builder 90 1.5 LifeStage - Fixed UL 80 1.5 Term 2010 AT 70 0.75 Term 2010 10 yr 75 0.75 Term 2010 20, 30 yr 90 0.75 **yrs 2-5 / yrs 6-9 AXA (2-10) Athena UL, Series 152 80 1.25 Athena UL, Series 152 w/cvplus 24 3.9**/1.25 Athena Indexed UL, Series 151*** 90 Athena Indexed UL, Series 151 w/cvplus 45 Athena Indexed UL, Series 153**** (written through MONY) 90 0.75 Athena Indexed UL, Series 153 w/cvplus (written through MONY) 24 4**/1.25 Athena SUL IV, Series 154 90 0.75 Athena SUL IV, Series 154 w/cvplus ider 45 6**/.75 BrightLife Protect, Series 155 80 1.25 BrightLife Protect, Series 155 w/cvplus ider 24 3.9**/1.25
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 155 90 1 BrightLife Grow, Series 155 w/cvplus ider 24 3.9**/1.25 Interest Sensitive Whole Life - ISWL Series 149 70 1.25 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 63-75 (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 20 80 5 Life Value Term 30 90 5 A- List Term 25 3.5 (2-5) / 1.5 (6-10) F&G Life FG Life- Choice II (EIUL3) 85 1.75 FG Life- Elite II (MEIUL3) 95 1.75 FG Life- Heritage- SPIUL (LHIUL)- Ages 50-79 9.5 N/A FG Life- Heritage- SPIUL (LHIUL)- Ages 80-85 5.5 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) 95 3.5 (2-5) / 1.75 (6-10) /.75 (11+) Final Expense Graded Benefit Whole Life/Immediate Benefit Whole Life (Iss Age 81-85) 70 3.5 (2-5) / 1.75 (6-10) /.75 (11+) Final Expense Modified Benefit Whole Life 45 3.5 (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 100 - Simplified Issue WL* 90 6 (2) /.75 (3-10) Advantage Plus 20 Pay WL* 52.5.75 (2-10) Advantage Plus Pay 100 - Fully Underwritten WL* 90 6 (2-3) / 1.5 (4-10) Term 10 ider 60 0.75 (2-10) Term 20 ider 75.75 (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)
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) 80 1.5 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 85 0.4 OP Endowment Term 20 90 N/A OP Endowment Term 25 90 N/A OP Endowment Term 30 90 N/A TermSmart 10 70 N/A TermSmart 15 85 N/A (2-10) (2-10)
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 TermSmart 20 90 N/A Security Life of Denver ING IUL- Global 85 1.25 ING IUL- Global Waiver of Surrender Charge 75 1.25 ING IUL- Global Waiver of Surrender Charge (spread opt)* 20 1.25 ING IUL- Global Choice 85 1.25 (2-10) ING IUL- Global Choice w/ecv ider (Spread Option)* 24 10.5 (2-4)* / 10.5 (5-6) ING Strategic Accum Survivorship UL - Levelized ** (Available in US Virgin Islands) 9 7.5 (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) 22 5.25 (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 '13 85 0.75 Survivorship UL G '13 85 0.75 Accumulation UL '09 85 0.75 Protection UL '12 / Protection SUL '12 85 0.75 Protection Indexed UL '13 85 0.75 Accumulation Indexed UL '11 85 0.75 Premier Life '11 85 0.75 Universal Life G '13 w/cve Opt.* 22.4 0.75 Survivorship UL G '13 w/cve Opt.* 22.4 0.75 Accumulation UL '09 w/esv Opt.* 22.4 0.75 Accumulation UL '09 w/cve Opt.* 22.4 0.75 Protection UL '12 w/cve Opt.* 22.4 0.75 Protection SUL '12 w/cve Opt.* 22.4 0.75 Protection Indexed UL '13 w/ CVE Opt.* 22.4 0.75 Accumulation Indexed UL '11 w/cve Opt.* 22.4 0.75 Premier Life '11 w/cve Opt.* 22.4 0.75 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) 69.75 (2-15) Whole Life (Ages 01-17 & 61+) 62.5 3(2-3) / 1.25 (4) / 0.4 (5-15) LP 65 & 20 Pay Whole Life 52.5 5.5 (2-3) / 3(4) / 0.50 (5-15) Passport 10, 15 Term 55 0.40 (2-10) / 0.40 (11+) Passport 20, 30 Term 69.75 (2-10) / 0.40 (11+) Life Insurance Company of the Southwest nwl (2-10)
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 LSW Harbor 07** 85 1.25 LSW Horizon 07** 85 1.25 SecurePlus Paragon** 85 1.25 LSW SecurePlus Provider** 85 1.25 LSW Income Builder** 85 1.25 LSW LifeCycle Solution** 85 1.25 LSW Flex Life** 85 1.25 LSW Level Term 10, 15 75 1.25 LSW Level Term 20, 30 85 1.25 LSW SecurePlus Advantage 79 85 0.95 LSW Foundation 85 1.25 LSW ProtectorLife 85 1.25 Balance Sheet Benefit ider*** 15 1.25 (yr 7-10) All other commissionable iders 85 1.25 ** olling target premiums ***Only available on SecurePlus Paragon, LSW Horizon 07, LSW Flex Life and LSW LifeCycle Solution Lincoln Financial Lincoln LifeCurrent UL 90 0.75 Lincoln Lifeeserve UL (2009) / Lifeeserve Indexed UL Protector* 90 0.75 Lincoln Lifeeserve Indexed UL Accumulator (aka IUL (2011)** 90 0.75 Lincoln LifeGuarantee UL (2013) 90 0.75 Lincoln LifeGuarantee SUL (2013) 90 0.75 Lincoln Treasury Indexed UL 90 0.75 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) 29.6 3 (2-10)
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 Legacy 10 Pay- $300k+ premium (Issue Age 72) 29.2 3 Legacy 10 Pay- $300k+ premium (Issue Age 73) 28.8 3 Legacy 10 Pay- $300k+ premium (Issue Age 74) 28.4 3 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 55 1.5 (2-10) /.75 (11+) HECV (High Early Cash Value) 11 (2-5) 6.5 (6-10) 20 Year Term 45.75 (2-5) /.4 (6-10) 10 Year Term 40.75 (2-5) /.4 (6-10) MetLife Investors (2-10) GAUL, LASUL, UAUL, Provider UL (Category I) 90 0.75 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) 80 0.75 Promise Whole Life Select 10 40 N/A Promise Whole Life Select 20 55 N/A Enricher Option (PAI), FT above G85 (Category V) 1 0.4 OYT (One Year Term) w/convertible & enewable ider 3 N/A Minnesota Life Accum UL, Eclipse Index, Eclipse Protector, Eclipse Survivor, Eclipse Survivor Pro 80.75 (2-10) / 0 (11+) Legacy Protector SUL 80.75 (2-10) / 0 (11+) Advantage Elite 5/10 65 N/A Advantage Elite 15 85 N/A
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 1.5.75 (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 80 1.5 (2+) AUL & Eclipse Products w/enhanced Value Agrmnt (EVA) 25 8 (2-5) (FY Target) CAT & CAT- SD 2.5 2 (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 12 12 (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) 60 5.7 (2-3) / 2.75 (4-10) NL Lifebuilder (73-74) 50 5.7 (2-3) / 2.75 (4-10) NL Lifebuilder (75-76) 40 5.7 (2-3) / 2.75 (4-10) NL Lifebuilder (77-78) 35 5.7 (2-3) / 2.75 (4-10) NL Lifebuilder (79-80) 25 5.7 (2-3) / 2.75 (4-10) NL Lifebuilder (81-82) 20 5.7 (2-3) / 2.75 (4-10) NL Lifebuilder (83-85) 15 4.9 (2-3) / 2.75 (4-10) AC/CCP Comp iders (0-59)* 25 12 (2-3) / 8 (4) / 11.5 (5) / 3 (6-10) AC/CCP Comp iders (60-69) 25 12 (2-3) / 8 (4) / 11.5 (5) / 3 (6-10) AC/CCP Comp iders (70-72) 22.5 11 (2-3) / 6.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (73-74) 20 11 (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (75-76) 17.5 11 (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (77-78) 15 11 (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (79-80) 12.5 11 (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (81-82) 10 11 (2-3) / 7.2 (4) / 11 (5) / 2.9 (6-10) AC/CCP Comp iders (83-85) 7.5 10 (2-3) / 5.5 (4) / 9 (5) / 2.6 (6-10) Ultra Select 65 3 U/S- Balanced Sheet Benefit ider(bsb) 12 10.5 (2-6) / 3 (7-10) NL AssurePlus Protector UL 65 3 FlexLife 65 3 (6-10) FlexLife Balanced Sheet Benefit ider (BSB) 12 10 (2-6) / 3 (7-10) LifeCycle Solution 65 3 (6-10) LifeCycle Solution Balanced Sheet Benefit ider (BSB) 12 10 (2-6) / 3 (7-10) ValuGuard 50 5.5 (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
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) 50 0.4 (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) 50 0.4 (2-7) / 0.1 (8+) NWL Life 100 (Age 80-85) 20 0.4 (2-7) / 0.1 (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 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 50 0.4 (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 20-50 Non- Tobacco) 85 N/A NWL Secure TEM 30 Yr (Age 20-45 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 20-50 Non- Tobacco) 85 N/A NWL Term 30 Yr (Age 20-45 Tobacco) 85 N/A Nationwide (2-10) / (11+) YourLife No Lapse Guarantee UL 90 1.25 /.75 YourLife SUL II 90 1.25 /.75 Your Life Current Assumption UL* (suspended Face Amts 1mil+) 90 1.25 (3-10) /.75 (11+) YourLife IUL/Executive IUL 90.75 (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 75 2.25 (yr 2-7) /.75 (yr 8-10) SUL LTG 75 1.5 (yr 2-7) /.75 (yr 8-10) Whole Life & Modified Premium WL*** 75 5.5 (yr 2-5) / 5 (yr 6-10) Custom Whole Life*** 75 4 (yr 2-4) / 2.25 (yr 5-10) Survivorship WL 75 5.5 (yr 2-5) / 5 (yr 6-10) UL AD111 / SUL AD111 75 3 (yr 2-7) ULCG & SULCG 75 3 (yr 2-7)
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 Yearly Convertible Term AD110 65 4 (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** 80 0.4 Builder IUL 95 2 Guarantee Builder IUL 95 1.25 apid Builder IUL** 95 2.25 ADDvantage 10 75 N/A ADDvantage 15 80 N/A ADDvantage 20 90 N/A ADDvantage 30 100 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) 10-12 pay 50 2.25 (2-20 yrs) Limited Pay Asset Care IV Single Life (all ages) 13-17 pay 60 2.25 (2-20 yrs) Limited Pay Asset Care IV Single Life (all ages) 18-20 pay 70 2.25 (2-20 yrs) Whole Life Asset Care IV Single Life (all ages) 80 2.25 (2-21+ yrs)* Limited Pay Asset Care IV Joint Life (all ages) 10-12 pay 50 2.25 (2-20 yrs) Limited Pay Asset Care IV Joint Life (all ages) 13-17 pay 50 2.25 (2-20 yrs) Limited Pay Asset Care IV Joint Life (all ages) 18-20 pay 50 2.25 (2-20 yrs) Whole Life Asset Care IV Joint Life (all ages) 50 2.25 (2-21+ yrs)* Plus ider (for Asset- care, Annuity Care & Indexed Annuity Care) 8 6.5 (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 10 80 N/A Pacific 20 85 N/A Pacific Life Flex Protector II - High Band TQ¹ 75 1.5 / 1.5 / 1.5* Flex Protector II - ECV High Band TQ¹ 17.1 15.5 / 1.5 / 1.5* Flex Protector II - Low Band TQ²,³ 15.5 14 / 1.5 /1.5* Flex Protector II - ECV Low Band TQ²,³ 12.5 11 / 1.5 / 1.5* Flex Protector II - High Band NQ¹ 70 1.5 / 1.5 / 1.5* Flex Protector II - ECV High Band NQ¹ 16.1 14 / 1.5 /1.5* Flex Protector II - Low Band NQ²,³ 14.5 13 / 1.5 / 1.5* Flex Protector II - ECV Low Band NQ²,³ 11.5 9 / 1.5 / 1.5*
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 Flex XV - High Band TQ¹ 75 1.5 / 1.5 / 1.5* Flex XV- ECV High Band TQ¹ 16.8 15 / 1.5 / 1.5* Flex XV - Low Band TQ²,³ 15.2 13.9 / 1.5 / 1.5* Flex XV - ECV Low Band TQ²,³ 12.2 11.5 /.15 / 1.5* Flex XV - High Band NQ¹ 70 1.5 / 1.5 / 1.5* Flex XV - ECV High Band NQ¹ 15.8 13 / 1.5 / 1.5* Flex XV - Low Band NQ²,³ 14.2 13 / 1.5 / 1.5* Flex XV - ECV Low Band NQ²,³ 11.2 9.5 / 1.5 / 1.5* Pacific Indexed Accumulator III - Base Option A 80.75 /.75 /.75*** Pacific Indexed Accumulator III - Base Option B 75 1.5 / 1.5 / 1.5*** Pacific Indexed Accumulator III - SVE 09 Option A 15.8 14 / 1.5 /1.5** Pacific Indexed Accumulator III - SVE 09 Option B 11.3 9.8 / 9.8 / 1.5** Pacific Indexed Accumulator III - OP4 Option A 16.4 14.7 / 8 / 1.5 / 1.5*** Pacific Indexed Accumulator III - OP4 Option B 10.6 9 / 9 / 9 / 1.5*** Pacific Indexed Accumulator 4 - Base Option A 80.75 /.75 /.75*** Pacific Indexed Accumulator 4 - Base Option B 75 1.5 / 1.5 / 1.5*** Pacific Indexed Accumulator 4 - Base Option C 19.3 17 (T2-5) Pacific Indexed Accumulator 4 - SVE Option A 16.8 14.5 / 1.5 / 1.5** Pacific Indexed Accumulator 4 - SVE Option B 12.7 11 / 11 / 1.5*** Pacific Indexed Accumulator 4 - SVE Option C 12.7 11 / 11 / 1.5*** Pacific Indexed Accumulator 4 - OP24 Option A 19.3 17.5 / 1.5 / 1.5*** Pacific Indexed Accumulator 4 - OP24 Option B 10.8 9/ 9 (T4) / 20 (T5) / 1.5 (T6+) Pacific Indexed Accumulator 4 - OP24 Option C 10.8 9/ 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 75 17.8 / 1.5 / 1.5** Pacific Estate Preserver III (no FDNLG) - SVE Option A 20.3 8.7 / 8.7 / 1.5** Pacific Estate Preserver III (no FDNLG) - SVE Option B 10.3.75 /.75 /.75*** Indexed Pacific Estate Preserver - Base Option A 80 1.5 / 1.5 / 1.5*** Indexed Pacific Estate Preserver - Base Option B 75 15.6 (T2-5) Indexed Pacific Estate Preserver - Base Option C 18.8 14 / 1.5 /1.5*** Indexed Pacific Estate Preserver - SVE 09 Option A 15.8 8.9 / 8.9 / 1.5*** Indexed Pacific Estate Preserver - SVE 09 Option B 10.3 8.9 / 8.9 / 1.5*** Indexed Pacific Estate Preserver - SVE 09 Option C 10.3.75 /.75 /.75*** Pacific UL 2 Pacific Prime UL & UL NLG - Base Option A 80 1.5 / 1.5 / 1.5 *** Pacific Prime UL & UL NLG - Base Option B 75.75 /.75 /. 75*** Pacific Prime IUL - Base Option A 80 1.5 / 1.5 / 1.5*** Pacific Prime IUL - Base Option B 75 Pacific Indexed Performer LT - Base Option A 80 0.75 Pacific Indexed Performer LT - Base Option B 75 0.75 Pacific Indexed Performer LT - Base Option C 19.3 17.5 (T2-5) Versa Flex NLG - Base Option A 80 0.75 Versa Flex NLG - Base Option B 75 1.5 Versa Flex NLG - SVE Option A 18.3 16.7 /.5 / 1.5** Versa Flex NLG - SVE Option B 10.3 8.7 / 8.7 / 1.5**
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 Versa Flex Pro II- CV - Base Option A 80 0.75 Versa Flex Pro II- CV- Base Option B 75 1.5 Versa Flex Pro II- CV - SVE 09 Option A 15.8 14 / 1.5 /1.5** Versa Flex Pro II- CV - SVE 09 Option B 11.3 9.6 / 9.6 / 1.5** Versa Flex Pro II- DB - Base Option A 80.75 /.75 /.75*** Versa Flex Pro II- DB- Base Option B 75 1.5 / 1.5 / 1.5*** Versa Flex Pro II- DB - Base Option A (GTCO) 33.33 18.3 / 4.2 / 1.5*** Versa Flex Pro II- DB- Base Option B (GTCO) 33.33 18.3 / 14.2 / 1.5*** PIME 10 75 N/A PIME 15 80 N/A PIME 20 & PIME 30 85 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 0-70. * 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 65.75 / 0.4 (6-10) Indexed UL 65.75 / 0.4 (6-10) SUL Protector II 65.75 / 0.4 (6-10) UL Flex II 65.75 / 0.4 (6-10) UL Accumulation II 65.75 / 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 90 1.25 Whole Life 90 6 Protective Survivor UL 90 0.5 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 80 1.5 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 80 1.5 / 1.5*
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 PruLife Universal Plus 80 1.5 / 1.5* PruLife Universal Plus with Enhanced Cash Value ider 15.38 8 / 2 / 1.5*** PruLife SUL Protector 80 1.5 / 1.5* PruLife Index Advantage UL 80 1.5 / 1.5* Term Essential 10 and Term Elite 10 80 N/A Term Essential 15 and Term Elite 15 80 N/A Term Essential 20 and Term Elite 20 80 N/A Term Essential 30 and Term Elite 30 80 N/A PruTerm One 26.25 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- 10 75 N/A T- 15 85 N/A T- 20 90 N/A T- 25 90 N/A T- 30 90 N/A YT 80 N/A Continuous Pay WL 70 1 (2-10) 10 Pay WL (L10) 30 0.2 (2-4) 15 Pay WL (L15) 55 0.40 (2-6) 20 Pay WL (L- 20) 55 0.40 (2-3 ) / 0.2 (4-5) Paid up at 65 WL (L- 65) - Age <45 55 0.40 (2-6) Paid up at 65 WL (L- 65) - Age 45-55 (excluding age 50) 30 0.2 (2-4) Paid up at 65 WL (L- 65) - Age 50 45 0.40 (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
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 90 1.25 (2-10) All Fixed UL Products* (TransACE 2010, TransACE CV, TransUltra SP 2006, TransUltra Select SP 2006, TransUltra Plus 2006) 90 1.25 (2-10) TransACE 2012 90 1.25 (2-5) TransACE 2013** 85 1.25 (2-5) TransSecure II ISWL 90 1.25 (2-11+) Trendsetter Super 10 80 N/A Trendsetter Super 15 85 N/A Trendsetter Super 20, 25, 30 90 N/A Trendsetter Express 10 90 1.5 Trendsetter Express 15 95 1.5 Trendsetter Express 20, 25, 30 105 1.5 Trendsetter LB 10 85 1.5 Trendsetter LB 15, 20, 25, 30 90 0.15 GWL 90 N/A Trendsetter Super YT/Final Expense 75 N/A Immediate Solution (Final Expense) 105 4 (2-5) / 3 (6-10) 10 Pay Solution (Final Expense) 90.75 (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 18 12.5 / 1.5 Excel Index UL 50 1 Excel Index UL w/ Accnt Benefit ider 18 12.5 / 1.5 Excel LifeValue UL 50 1 Excel LifeValue UL w/ Accnt Benefit ider 18 12.5 / 1.5 Excel Life Value SUL 50 1 Keystone Term 1 50 1 Keystone Term 10, 15 50 1 Keystone Term 20, 30 50 1 Keystone Term Child ider 50 1 Keystone Foundation WL - Base & TPL ider 50 2 Keystone Foundation WL - Term & Child ider 40 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 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 85 1.5 (2) / 1 (3-10) Accum UL Plus - Face Amounts $500,000 & greater 75 5.5 (2) / 1 (3-10) Accum UL Answers, GUL, GUL Plus/Survivor 85 1.5 (2-5) / 1 (6-10) GUL Express 70 2.5 (2-10) Whole Life Express Ages 0-75 (available only in CA) 110 2.5 (2-10) Whole Life Express Ages 76+ (available only in CA) 100 N/A Children's Whole Life 100 N/A Term Life Answers 10 75 N/A Term Life Answers 15 80 N/A Term Life Answers 20&30 90 N/A United of Omaha (2-10) Term Life Express 15 yr, 20yr, 30yr 100 0.75 Zurich (2-10) Guaranteed Death Benefit UL* 90 0.75 Index UL** 90 0.75 Survivor Index UL** 90 0.75 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