Disability Insurance Compensation

Commissions are assigned to HBW and paid as earned. Commissions are based upon the commissionable premium, then by the product payout, then by the HBW level grid below. Please allow 2 weeks for a commission statement to be received by HBW from the DIS company to then be processed in our commission run. Please see the commissions overview section for further payout details.

In addition to the following commissions, Charter VPs, Charter NDAs, AVPs, EVPs, and NDAs receive generational overrides.

Example: Commissionable Premium$ x Product payout% x HBW Level% = Commission$

Assigned Commission Levels
HBW Level NDA/EVP/AVP PAVP SAM AM TM REP
Percentage Payout 95% 80% 70% 60% 50% 45%
Disabilty Insurance Commission Table
Carrier 1st Year Years 2 to 10
The Standard 50% 3%
Union Central 50% 3%
Union Central (Discounted) 40% 3%
Principal 50% 3%
MetLife 55% 3%
Assurity 50% 6%
Assurity (CA) 50% 5%
Assurity Graded 35% 2%
Assurity Graded (CA) 30% 1%
Assurity Simplified 60% 3%
Mutual of Omaha 50% 1% (2-4 Yrs.)
Fidelity Security 30% 2%
Lloyds of London 10% 8%
Illinois Mutual 50% 5%