Our Remuneration

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 %
1439	20%
2114	25%

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 %
1498	17.5%
1500	25%
1611	25%
1625	10%
1629	15%
1630	15%
1631	18%
2081	25%

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 %
1105	10%
1196	8%
1223	10%
1291	10%
1376	6%
1377	8%
144	25%
1549	10%
178	8%
179	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 %
1469	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 %
1502	10%
1504	20%
1583	10%
1731	9.5%
1782	10%
1990	12%
2094	12%
544	20%
561	17.5%
562	20%
594	20%
613	6%
625	6%
695	18%
725	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 %
174	15%
772	12%
783	12%
993	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 %
1032	10%
1113	15%
1129	12%
1152	20%
1218	15%
1285	15%
1334	5%
1368	5%
14	5%
1405	20%
1412	20%
1420	20%
1663	20%
1672	15%
1682	10%
1719	20%
189	20%
1899	15%
1903	20%
1915	15%
1924	20%
2032	15%
2040	15%
338	25%
400	20%
423	10%
432	6%
459	15%
48	25%
518	15%
535	17.5%
536	25%
539	20%
552	25%
592	15%
604	8%
605	10%
606	10%
685	15%
721	10%
739	25%
76	20%
801	5%
829	15%
848	18%
950	15%

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 %
2102	25%

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 €	Commission %
1497	€19	20%
1643	-	15%
1982	-	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 %
1287	15%
1288	15%
1384	5%
1423	5%
1446	10%
1568	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 %
1468	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 %
1995	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 %
1011	15%
1086	10%
1087	6%
1088	10%
1107	6%
1108	10%
1587	10%
159	18.775%
168	19%
1791	10%
1867	5%
1868	10%
1983	15%
1992	12%
2099	18%
637	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 %
1007	15%
1013	15%
1025	15%
2	10%
2042	15%
766	15%
774	12%
787	15%
831	15%
900	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 %
1008	15%
1009	15%
101	10%
1010	16%
1012	10%
1014	18%
1033	10%
1037	15%
1038	15%
1115	15%
113	5%
1131	12%
1135	15%
115	10%
117	7.5%
1183	15%
1195	5%
1221	15%
124	15%
1279	10%
1318	5%
133	15%
1332	10%
1343	15%
1344	15%
1345	7.5%
1346	15%
1347	15%
1348	15%
1349	15%
135	15%
1355	7.5%
1357	15%
1358	10%
1359	5%
1404	15%
1422	15%
1506	15%
151	15%
1511	15%
158	18.775%
166	15%
167	19%
1684	10%
1717	15%
1743	15%
1811	15%
1812	15%
1813	15%
1814	15%
1815	15%
1816	15%
1817	15%
1818	15%
1819	15%
1820	15%
1821	15%
1840	10%
1841	15%
1854	15%
1858	15%
1869	10%
187	15%
1871	15%
1880	5%
1882	15%
1892	5%
1893	15%
19	5%
1902	15%
1920	15%
1950	15%
1951	15%
1953	5%
1963	5%
2000	15%
2015	10%
2073	25%
2129	10%
266	15%
277	15%
350	15%
377	15%
39	15%
399	15%
420	15%
434	5%
463	15%
480	7.5%
493	15%
523	15%
531	6%
532	10%
593	15%
60	17.5%
652	15%
677	15%
688	15%
72	17.5%
802	5%
839	19%
875	10%
882	10%
953	15%
99	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 %
1651	15%
1652	10%
1653	8%
1654	10%
1655	10%
1656	10%
1657	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 %
1557	5%
1571	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 %
1477	10%
1483	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 %
100	10%
1144	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 %
1650	10%
1729	15%
1798	8%
200	11%
257	10%
260	10%
586	10%
600	10%
649	8%
734	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 %
1002	12%
1003	12%
970	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 %
1000	12%
1023	-
1024	-
1137	10%
1171	10%
1172	12.5%
1194	10%
1311	5%
1312	5%
1313	-
1330	7%
1331	-
1361	7.5%
1427	10%
1481	10%
1556	-
1698	15%
1735	12.5%
1740	10%
1803	6.75%
1823	10%
1872	15%
198	12%
2001	8%
2022	12.5%
255	10%
256	8%
259	15%
269	8%
296	10%
360	10%
361	10%
362	10%
363	12.5%
364	10%
365	7.5%
366	10%
367	8%
368	10%
369	13%
409	10%
410	10%
411	15%
412	10%
414	4.5%
422	10%
448	5%
449	-
465	7.5%
466	7.5%
476	10%
477	10%
499	10%
500	10%
501	10%
550	10%
554	20%
587	25%
588	-
589	10%
59	5%
599	10%
672	7.5%
691	10%
694	7.5%
715	10%
723	10%
733	10%
738	12%
762	5%
763	-
832	-
834	10%
867	13%

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 %
1603	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 %
1098	15%
218	10%
475	10%
660	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 %
1099	13%
1424	8%
1496	7.5%
1695	15%
182	12%
1824	12.5%
1881	10%
1885	12.5%
270	15%
489	13%
959	10%
960	15%
961	15%
962	15%

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 %
2109	25%

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 %
1295	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 %
2077	25%

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 %
1772	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 %
1209	15%
1212	10%
146	15%
148	10%
720	15%
915	10%
919	15%
972	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 %
1363	5%
184	11.25%
276	15%
299	15%

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 %
2106	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 %
1621	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 %
1277	8%
1537	10%
1864	10%
2146	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 %
1459	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 %
1057	15%
1058	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 %
724	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 %
1319	10%
1323	8%
1324	5%
1325	10%
1326	10%
1696	10%
1907	15%
2002	10%
2010	15%
24	12.5%
294	15%
436	7.5%
877	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 %
1535	7.5%

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 %
1609	15%
1610	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 %
1282	15%
1289	5%
1385	5%
147	15%
1536	7.5%

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 %
1462	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 %
1132	10%
1134	10%
2045	20%
565	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 %
1579	10%
1764	10%
1988	12%
201	9%
2091	12%
2092	18%
211	10%
2148	10%
626	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 %
923	20%
978	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 %
1015	5%
1034	10%
109	5%
11	20%
1110	15%
1124	10%
1127	12%
1148	18%
1151	15%
116	10%
1180	15%
1198	5%
1214	15%
1335	5%
1369	5%
1408	15%
1442	16%
1443	16%
1444	15%
16	5%
1676	10%
1701	10%
1730	20%
1736	21%
175	10%
1805	5%
1808	5%
1873	20%
1887	15%
1896	15%
1910	15%
1964	5%
2008	15%
2037	15%
2053	15%
306	15%
35	10%
37	15%
425	10%
456	15%
513	15%
653	15%
654	15%
655	15%
656	15%
661	20%
673	15%
682	15%
752	15%
757	15%
769	12%
781	15%
796	5%
826	15%
844	18%
947	15%

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)
2024	150%	22%	24

Single Premium PRSA

Product	Initial %	Recurring %
1939	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)
1977	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)
1874	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)
1451	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)
1834	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 %
1515	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)
1262	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)
1026	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 %
1044	5.25%	1%

Group Life Protection

Product	Initial %	Recurring Commission %
860	6%	6%

Group Income Protection

Product	Initial %	Recurring Commission %
856	12.5%	12.5%

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 %	Clawback Period (Months)
1829	20%	1%	48
1934	5.25%	1%	-

Approved Retirement Fund (ARF)

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 %
81	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 %
54	3%

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 %
2111	25%

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 %
1618	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 %
1222	5%
1269	10%
1283	15%
1378	5%
142	10%
149	15%
1542	10%
2144	5%

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 %
1111	15%
1128	12%
1216	15%
1661	20%
1955	5%
2012	5%
2038	15%
2079	25%
458	15%
515	15%
674	15%
683	15%
770	12%
845	18%
948	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 %
1090	15%
1091	15%
1580	10%
1771	10%
1989	12%
2093	12%
627	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 %
912	20%
956	20%
982	20%
983	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 %
1017	8%
131	5%
1336	5%
1364	5%
1410	15%
1662	15%
1678	10%
1709	20%
1807	8%
1849	20%
1850	15%
1891	15%
1905	17.5%
1911	17.5%
1913	20%
1976	5%
2048	5%
2061	15%
2062	15%
22	5%
328	20%
402	20%
424	8%
438	5%
66	10%
746	17.5%
782	12%
803	10%
827	15%
838	5%
868	10%
878	5%
879	15%

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 %
1045	2.5%

Approved Retirement Fund (ARF)

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 %
92	No	0.75%

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 %
1623	20%

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 %
913	15%
973	15%
986	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 %
1421	15%
1716	20%
2052	15%
332	20%
403	20%

Personal Accident Plan

Product	Commission %
1470	15%

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 %
1467	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 %
742	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 %
1076	10%
136	15%
137	15%
312	10%
717	10%
718	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 %
1794	12.5%
250	10%
645	7.5%

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 %
1685	12.5%
44	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 %
939	6.5%

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 %
1060	15%
1061	15%
1062	10%
1063	15%
1064	10%
1065	10%
1066	10%
1067	10%
1068	15%
73	15%
74	15%
934	15%
977	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 %
1104	10%
388	6%

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 %
1744	0.5%	0.5%

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 %
1512	0.5%	0.5%

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 %
1042	0.5%	0.5%

Approved Retirement Fund (ARF)

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 %
88	0.5%	0.5%

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 %
2105	25%

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 %
1601	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 %
1280	15%
145	15%
1548	5%

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 %
1109	15%
1125	12%
1213	15%
15	15%
2036	15%
2075	25%
452	15%
5	5%
512	15%
771	12%
841	18%
945	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 %
1582	10%
1986	12%
2088	12%
641	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 %
968	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 %
1081	15%
1202	15%
1372	5%
1406	15%
1680	10%
1691	15%
170	15%
1727	15%
1895	15%
1906	15%
223	15%
289	15%
355	15%
408	15%
576	15%
609	15%
67	10%
692	15%
776	15%
778	12%
824	15%
898	15%
909	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 %
1997	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 %
1693	20%
1862	17.5%
292	17.5%
711	-

Single Premium PRSA

Product	Initial %	Recurring %
1940	7.5%	0.25%

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)
1875	10%	0.75%	48

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)
1835	17.5%	0.25%	48

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 %
210	10%

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 %
1050	5%	0.75%

Approved Retirement Fund (ARF)

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 %
82	5%	0.75%

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 %
45	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 %
188	15%
4	17.5%
457	15%
472	15%
486	17.5%
537	15%
651	15%
664	10%
678	10%
701	15%

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)
2153	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)
2025	160%	28%	60

Single Premium PRSA

Product	Initial %	Recurring %
1942	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)
1978	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)
1876	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)
1447	160%	20%	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)
1836	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 %
1516	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)
1263	160%	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)
1027	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 %
1052	5%	0.5%

Group Life Protection

Product	Initial %	Recurring Commission %
861	6%	6%

Group Income Protection

Product	Initial %	Recurring Commission %
857	12.5%	12.5%

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)
1830	17.5%	0.5%	5%	48
1935	5%	0.75%	-	-

Approved Retirement Fund (ARF)

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 %
83	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 %
56	3%

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 %
1705	19%
1768	15%
1921	15%
2060	15%
2138	15%
219	15%
309	16%
42	-
482	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 %
1594	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 %
1455	8.96%

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 %
1147	10%
616	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 %
1799	10%
253	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 %
1302	5%
169	10%
1984	10%
284	10%
31	10%
617	10%
809	3%

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 %
2108	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 %
1633	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 %
1316	15%
1543	7.5%
1570	5%
1572	5%

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 %
2011	7.5%

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 %
1754	15%
224	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 %
1004	15%
920	15%
926	15%
927	15%
928	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 %
1317	15%
1327	10%
1710	15%
317	15%
435	7.5%
821	15%
876	7.5%

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 %
2110	25%

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 %
1620	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 %
1284	15%
1387	5%
1552	5%

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 %
1112	15%
1126	12%
1217	15%
17	5%
2039	15%
2078	25%
516	15%
675	15%
684	15%
768	12%
846	18%
949	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 %
1586	10%
160	10%
1785	10%
1987	12%
2059	12%
2090	12%
888	8%

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 %
1338	5%
1683	10%
1912	15%
441	5%
780	12%
808	5%
828	15%
9	10%

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)
2026	225%	50%	60

Single Premium PRSA

Product	Initial %	Recurring %	Clawback Period
1941	10%	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)
1979	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)
1877	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)
1448	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)
1837	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)
1517	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)
1264	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)
1028	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)
1053	5%	1%	36
1826	15%	0.5%	60
1827	25%	1%	60
1828	25%	0.5%	60

Group Life Protection

Product	Initial %	Recurring Commission %	Clawback Period (Months)
862	20%	20%	12

Group Income Protection

Product	Initial %	Recurring Commission %	Clawback Period (Months)
858	20%	20%	12

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)
1831	25%	1%	8%	60
1936	5%	1%	-	60

Approved Retirement Fund (ARF)

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 %
84	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 %
55	3%

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 %
1600	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 %
1211	12%
914	12%
987	12%

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 %
1438	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 %
1465	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 %
108	15%
530	12.5%
847	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 %
1756	15%
242	15%
619	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 %
1402	15%
1687	26.25%
1750	15%
1822	17.5%
1889	15%
1898	15%
1909	15%
336	15%
393	15%
492	15%

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 %
58	2%

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 %
1634	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 %
1398	8%
1399	6%
1529	10%
1531	-
1555	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 %
522	15%
596	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 %
1790	10%
245	10%
247	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 %
1526	15%
918	25%
995	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 %
1321	10%
1527	10%
1528	8%
1530	-
1847	20%
1918	15%
343	15%
433	8%
446	8%
47	14%

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 %
1602	10%
1659	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 %
1193	10%
1578	10%
1789	10%
243	10%
643	10%
823	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 %
901	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 %
106	10%
1188	10%
134	10%
1688	10%
340	10%
341	13%
374	5%
473	10%
478	10%
491	10%
495	10%
541	10%
553	12%
579	10%
61	10%
707	10%
71	10%
741	10%
765	10%

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)
2154	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)
2027	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)
1980	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)
1450	225%	36%	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 %	Renewal
1747	20%	2.5%

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 %
1494	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)
1265	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)
1029	225%	60%	60

Approved Retirement Fund (ARF)

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 %
91	5%

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 %
1491	20%
2103	30%

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 %
1589	22.5%
1598	17.5%
1639	10%
1641	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 %
1106	5%
1197	5%
1224	5%
1270	5%
1292	10%
1388	5%
152	15%
181	5%
1870	8%

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 %
1456	20%
1475	15%
1994	25%

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 %
1142	20%
1156	18%
1157	18.8%
1182	15%
1220	15%
1959	5%
1996	15%
20	5%
2016	10%
2035	20%
2043	20%
2074	25%
462	15%
524	20%
534	20%
598	15%
676	15%
687	15%
756	20%
761	15%
775	15%
840	20%
853	18.8%

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 %
1417	10%
161	20%
1755	10%
1766	10%
1993	17.5%
2087	20%
2098	18%
214	9%
215	10%
624	6%
632	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 %
1804	5%
905	25%
966	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 %
1019	5%
1022	5%
110	22.5%
1339	5%
1374	5%
1400	17.5%
1414	15%
1416	17.5%
155	20%
1665	12.5%
1667	12.5%
1686	15%
1724	15%
1810	5%
1894	15%
190	15%
1919	15%
2007	17.5%
2050	20%
2051	20%
349	15%
398	20%
41	15%
444	5%
447	5%
490	15%
657	15%
668	15%
753	15%
786	12.5%
788	15%
799	10%
80	15%
825	20%

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 %
1440	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 %
1592	10%
1646	10%
1647	10%
1648	-

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 %
1566	5%
173	5%
176	5%
903	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 %
1525	15%
1715	15%
1778	13.7%
235	10%
549	10%
726	10%
727	10%
731	10%
732	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 %
1426	10%
988	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 %
1070	10%
1163	10%
1203	15%
1308	15%
1403	15%
1509	10%
1510	15%
172	12.5%
1726	10%
186	10%
2034	-
2139	10%
2142	10%
2143	15%
334	16%
353	10%
354	-
559	10%
560	10%
63	15%
671	10%
708	10%
902	12.5%

Single Premium PRSA

Product	Initial %	Recurring %
1943	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)
1878	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
1838	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 %
1519	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 %
1039	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)
1832	25%	1%	8%	60
1937	5%	1%	-	48

Approved Retirement Fund (ARF)

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 %
86	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 %
53	3%

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 %
2118	10%
2119	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 %
1460	10%
1480	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 %
1207	15%
30	-

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 %
208	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 %
1700	15%
171	15%
1904	15%
293	15%
394	15%
854	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 %
563	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 %
1612	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 %
1383	5%
1541	10%
1574	10%
180	5%

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 %
1204	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 %
1140	17.5%
1141	25%
1322	15%
1769	10%
1796	15%
1797	10%
2021	20%
221	9%
636	6%
647	15%
648	6%

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 %
1020	5%
1304	5%
1328	5%
1329	10%
1333	5%
1354	10%
1367	5%
1674	15%
1708	15%
1806	5%
315	15%
396	15%
429	5%
574	17.5%
64	15%
800	5%
833	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 %
1614	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 €	Commission %
1293	-	10%
1379	-	5%
1545	-	10%
1842	-	10%
98	€5	5%

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 %
514	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 €	Commission %
1340	-	14%
1773	-	10%
1927	€7	7%
1929	-	7%
2072	€15	15%
216	-	9%
226	-	9%
628	-	6%

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 %
1016	-	5%
1035	-	10%
1305	-	7.85%
1352	-	15%
1353	-	5%
1365	-	5%
1409	€15	15%
1697	-	17.5%
1741	€17.5	17.5%
1928	€5	5%
1930	-	5%
1931	-	15%
1932	€15	15%
2055	-	10%
2071	€10	10%
318	-	10%
323	-	13%
397	-	11.5%
428	-	8%
437	-	10%
75	-	17.5%
798	-	10%
835	€15	15%
836	€5	5%
837	€5	5%
869	-	10%
95	€5	5%
96	€5	5%
97	€5	5%

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 %
1489	15%
2116	25%
52	15%
865	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 %
1613	20%
1636	25%
2158	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 %
1296	10%
1386	5%
150	15%
1553	7.5%

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 %
1471	20%
1485	15%
1487	15%
863	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 %
1786	10%
2097	18%
241	10%
642	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 %
125	15%
126	20%
1563	15%
197	15%
917	15%
930	22%
979	15%
994	15%
999	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 %
1018	5%
1021	5%
1036	10%
1075	25%
1079	15%
1153	20%
1176	17.5%
1181	15%
1200	5%
1205	15%
130	15%
1337	5%
1341	5%
1350	10%
1356	15%
1373	5%
1394	15%
1411	15%
1418	15%
1533	15%
1718	15%
1809	5%
1855	15%
1900	15%
1916	15%
1922	15%
1948	15%
1966	5%
1968	5%
2064	15%
2066	15%
2068	15%
2070	15%
2082	15%
2128	10%
262	20%
265	20%
3	12.5%
337	15%
356	15%
381	20%
390	6.5%
40	15%
417	12%
440	5%
442	7.5%
451	20%
460	15%
467	15%
505	15%
519	12.5%
520	15%
551	20%
578	20%
618	7.5%
68	10%
686	15%
69	20%
690	20%
693	15%
747	12.5%
750	12.5%
758	12.5%
760	15%
773	12.5%
784	12.5%
785	15%
806	5%
810	5%
849	18%
872	15%
880	5%
899	10%

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)
2155	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)
2028	180%	40%	12

Single Premium PRSA

Product	Initial %	Recurring %
1944	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)
1981	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)
1879	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)
1449	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)
1839	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 %
1520	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)
1266	180%	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 %
1040	5%	0.5%

Group Life Protection

Product	Initial %	Recurring Commission %
859	6%	6%

Group Income Protection

Product	Initial %	Recurring Commission %
855	12.5%	12.5%

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)
1833	20%	0.5%	3%	48
1938	5.5%	0.5%	-	-

Cancer Cover

A Cancer Cover 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)
141	100%	12%	12

Approved Retirement Fund (ARF)

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 %
87	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 %
57	3%

Single commission model:	where 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.

Our Remuneration

Our Remuneration

The background

What is commission?

General insurance products

Profit Share arrangements

Life Assurance/Investments/Pension products

Investments

Credit Products/Mortgages

Clawback

Fees

Please Note

Other Fees, Administrative Costs/ Non-Monetary Benefits

AIG Europe S.A

Travel Insurance

Professional Indemnity

Personal Motor

Personal Accident Insurance

Liability

Home and Contents Insurance

Commercial

Allianz Plc.

Travel Insurance

Professional Indemnity

Personal Motor

Personal Accident Insurance

Other

Liability

Home and Contents Insurance

Commercial

Aon Insurance Markets Ireland

Professional Indemnity

Personal Motor

Personal Accident Insurance

Other

Liability

Home and Contents Insurance

Commercial

Arachas

Professional Indemnity

Liability

Commercial

Arachas Corporate Brokers

Travel Insurance

Personal Motor

Other

Liability

Home and Contents Insurance

Commercial

ARB Underwriting Ltd.

Travel Insurance

Professional Indemnity

Personal Motor

Personal Accident Insurance

Other

Liability

Commercial

Aviva Group Ire. Plc. (Value)

Personal Motor

Aviva Insurance Ltd.

Professional Indemnity

Personal Motor

Personal Accident Insurance

Other

Liability

Home and Contents Insurance

Commercial

Aviva Life & Pensions Ireland DAC

Term Life Protection

Single Premium PRSA

Specified Illness

Savings

Pension Term

Personal Retirement Savings Account RP (PRSA)

Personal Retirement Bond (PRB)

Mortgage Protection

Income Protection

Investment

Group Life Protection

Group Income Protection