Disability Insurance Commissions

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Commissions are assigned to HBW and paid as earned. Please allow a minimum of 4 to 6 weeks for commission statements to be received by HBW. Commission checks are processed each week on Friday and mailed no later than Monday. Please note that a minimum in $100 in commissions must be obtained before checks are generated. In addition to the following commissions, AVPs, EVPs, and NDAs receive generational overrides.

Assigned Commission Levels
HBW Level	NDA	EVP	AVP	PAVP	SAM	AM	REP 2	REP 1
Percentage Payout	95%	92.50%	90%	80%	70%	60%	50%	45%

Commissions and override percentages are based upon the product payout, then by your HBW level.
Example: Commissionable Premium x Product Payout x HBW Assigned Level = Commission

Disabilty Insurance Commission Table
Disability	Products	Product Payout 1st Year	Product Payout Years 2 to 10
Standard Insurance	IDI, BOE, DBO	50%	3%
MetLife	IDI, BOE	50%	3%
Union Central	IDI, BOE	50%	3%
Mass Mutual	IDI, BOE, DBO	50%	3% Years 2-5 1% Years 6-10
Assurity	IDI	50%	5% CA / 6% All other states
Assurity	Graded Benefit	35%	2%
Assurity	Graded Benefit (CA/FL)	30%	1%
Fidelity Security	IDI	30%	2%
Lloyds/Peterson	IDI, BOE, DBO	10%	6% Years 2-3

IDI - Individual Disability Insurance. BOE - Business Overhead Expense. DBO - Disability Buy/Sell.