HBW - Compensation

Commissions at HBW are annualized (agents that qualify) and paid direct by the carrier or assigned to HBW and paid as earned by HBW. Commission and Override percentages are based on agent's HBW Level and the Carrier Product Pay Out.

Override commissions on downline agents result from the percentage spread between you and the agents below you. You must be at the AM position or above to receive spread overrides.

Life - Highlight Carrier Commissions

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

AIG / American General

Commissions are annualized (75% for agents that qualify) and paid directly from the carrier. Commissions and override percentages are based upon the product payout, then by your HBW level. Paid premium is applied toward NDA, EVP, and Base Shop Bonus.

Advanced commissions max per case: NDA - $2,500, EVP - $1,500, AVP - $1,000, PAVP - $750, SAM - $500, AM - $500, REP - $500

OMFN - Old Mutual Financial Network

AIG / American General Commission Table
Product	NDA	EVP	AVP	PAVP	SAM	AM	REP 2	REP 1
Select-A-Term 31-35	115%	115%	105%	95%	85%	75%	65%	60%
Select-A-Term 20-30	110%	105%	100%	90%	80%	70%	60%	55%
Select-A-Term 19	108%	103%	98%	88%	78%	68%	58%	53%
Select-A-Term 18	106%	101%	96%	86%	76%	66%	56%	51%
Select-A-Term 17	104%	99%	94%	84%	74%	64%	54%	49%
Select-A-Term 16	102%	97%	92%	82%	72%	62%	52%	47%
Select-A-Term 15	100%	95%	90%	80%	70%	60%	50%	45%
Select-A-Term 12	90%	85%	80%	70%	60%	50%	40%	35%
Select-A-Term 10	80%	75%	70%	60%	50%	40%	30%	25%
ROP Select-A-Term 31-35	110%	105%	100%	90%	80%	70%	60%	55%
ROP Select-A-Term 15 & 20-30	105%	100%	95%	85%	75%	65%	55%	50%
UL¹	90%	85%	80%	70%	60%	55%	40%	35%

Commissions are paid weekly direct from the carrier. Generational overrides are paid weekly from HBW. Advanced commissions are 50% for agents that qualify. $3,500 max per case all levels.

OMFN - Old Mututal Financial Network Commission Table
Product	NDA	EVP	AVP	PAVP	SAM	AM	REP 2	REP 1
Term 30	105%	100%	95%	85%	75%	65%	55%	50%
Term 25	105%	100%	95%	85%	75%	65%	55%	50%
Term 20	105%	100%	95%	85%	75%	65%	55%	50%
Term 15	105%	100%	95%	85%	75%	65%	55%	50%
UL¹	105%	100%	95%	85%	75%	65%	55%	50%

¹ This is an example of compensation for a UL product. Actual compensation may vary per product.

Generational Overrides

Generational overrides are only available to AVP, EVP, and NDA levels. An AVP can override and EVP or NDA at the 1st or 2nd override levels, respectively.

$25,000 in annual base shop production, $10,000 in annual personal production, or 10 licensed recruits per year is required to maintain overrides.

Generational Overrides for Life Insurance
Level	AVP over AVP EVP over EVP NDA over NDA	EVP over AVP NDA over EVP	NDA over AVP
1st Level	7%	12%	17%
2nd Level	3%	8%	13%
All Subsequent Levels	-	5%	10%

Generational Overrides for Fixed Annuities, Disability Insurance, and Long Term Care
Level	AVP over AVP EVP over EVP NDA over NDA	EVP over AVP NDA over EVP	NDA over AVP
1st Level	3%	5.5%	8%
2nd Level	2%	4.5%	7%
All Subsequent Levels	-	2.5%	5%

Generational Overrides for Senior Settlements and Residential Mortgages
Level	AVP over AVP EVP over EVP NDA over NDA	EVP over AVP NDA over EVP	NDA over AVP
1st Level	7%	12%	17%
2nd Level	3%	8%	13%
All Subsequent Levels	-	5%	10%

Generational Overrides for Commercial Mortgages and Reverse Mortgages
Level	AVP over AVP EVP over EVP NDA over NDA
1st Level	5%
2nd Level	2%

EVPs override AVPs at all levels including third and below by an additional 2.5%
NDAs override AVPs at all levels including third and below by an additional 5.0%

NDA, EVP, & Base Shop Bonuses

Skip to EVP Bonus Schedule

Skip to Base Shop Bonus Schedule

NDA Organization Bonus

NDA Organization Bonus percentage based on production from entire organization of the first NDA in every hierarchy. NDA's in each hierarchy receive production credit on every downline NDA in their organization. An NDA receives 100% production credit on their direct downline NDA's production. As production credit moves up through the upline NDA's it is reduced by 25% at each level. Production credits are added together and each NDA receives their portion of the bonus based on their percentage of production credit.

Please Note: NDA Organizational Bonus applies to AIG/American General and HBW's Fixed Annuity Division Only.

NDA Organizational Bonus AIG/American General
Bonus	AIG Life Insurance Production
.50%	$50,000+
.75%	$75,000+
1.00%	$100,000+
1.25%	$125,000+
1.50%	$150,000+
1.75%	$175,000+
2.00%	$200,000+
2.25%	$225,000+
2.50%	$250,000+
2.75%	$275,000+
3.00%	$300,000+
3.25%	$325,000+
3.50%	$350,000+
3.75%	$375,000+
4.00%	$400,000+
4.25%	$425,000+
4.50%	$450,000+
4.75%	$475,000+
5.00%	$500,000+

NDA Organizational Bonus Fixed Annuities Premiums or Commissions Earned
Bonus	Fixed Annuities Comm. Earned
.50%	$100,000+
.75%	$150,000+
1.00%	$200,000+
1.25%	$250,000+
1.50%	$300,000+
1.75%	$350,000+
2.00%	$400,000+
2.25%	$450,000+
2.50%	$500,000+

EVP Bonus Schedule

Annual EVP Bonus Compensation Schedule

Annual Bonus Levels

$100,000 - $249,999 = 1%
$250,000+ = 2%

Guidelines:

Based on paid premium from AIG / American General only and paid semi-annually

After the first 6 months of a calendar year, if an EVP has an organization that has produced a minimum of 50% of the required annual premium to receive a bonus, the EVP will receive a bonus based on 50% of the attainable bonus level. If an EVP has an organization that has produced a minimum of 100% of the required annual premium to receive a bonus, the EVP will receive a bonus based on 100% of the attainable bonus level.
At the end of a calendar year, if an EVP has an organization that has produced 100% of the required annual premium to receive a bonus, the EVP will receive a bonus based on 100% of the attainable bonus level. -- minus what has already been paid.
The Bonus based on semi-annual production will be paid within 90 days following the semi-annual cut-off date.
The Bonus based on annual production will be paid within 90 days following the year-end cut-off date.
Must maintain acceptable persistency and placement ratios to qualify.
If an EVP qualifies for a mid-year bonus, but does not achieve the required annual total, there is no chargeback.
NDA's qualify in their EVP organization only, separate from their other EVP's and NDA's.
Bonus compensation is subject to change or modification at HBW's discretion.

Examples:

If you have $125,000 of Paid Premium through June 30th, you are on pace for $250,000, which would be a 2% bonus. 50% of the attainable bonus level is 1%. $125,000 x 1% = $1,250.00 Bonus.
If you have $250,000 of Paid Premium through June 30th, you are on pace for $500,000, which would be a 2% bonus. 100% of the attainable bonus level has already been reached. $250,000 x 2% = $5,000 Bonus.

Base Shop Bonus Schedule

Annual Base Shop Bonus Compensation Schedule

Annual Bonus Levels

$100,000 - $249,999 = 5%
$250,000 - $499,999 = 7.5%
$500,000 + = 10%

Guidelines:

Based on paid premium from AIG / American General only and paid semi-annually

After the first 6 months of a calendar year, if an AVP, EVP or NDA has a base shop that has produced a minimum of 50% of the required annual premium to receive a bonus, the AVP, EVP or NDA will receive a bonus based on 50% of the attainable bonus level. If an AVP, EVP or NDA has a base shop that has produced a minimum of 100% of the required annual premium to receive a bonus, the AVP, EVP or NDA will receive a bonus based on 100% of the attainable bonus level.
At the end of a calendar year, if an AVP, EVP or NDA has a base shop that has produced 100% of the required annual premium to receive a bonus, the AVP, EVP or NDA will receive a bonus based on 100% of the attainable bonus level -- minus what has already been paid.
Bonus based on semi-annual production will be paid within 90 days following the semi-annual cut-off date.
Bonus based on annual production will be paid within 90 days following the annual cut-off date.
Must maintain acceptable persistency and placement ratios to qualify.
If an AVP, EVP or NDA qualifies for a mid-year bonus, but does not achieve the required annual total, there is no chargeback.
Bonus compensation is subject to change or modification at HBW's discretion.

Examples:

If you have $50,000 of Paid Premium through June 30th, you are on pace for $100,000, which would be a 5% bonus. 50% of the attainable bonus level is 2.5%. $50,000 x 2.5% = $1,250.00 Bonus.
If you have $100,000 of Paid Premium through June 30th, you are on pace for $200,000, which would be a 5% bonus. 100% of the attainable bonus level has already been reached. $100,000 x 5% = $5,000 Bonus.

HBW Levels

For promotion to all levels, every new recruit in any base shop in your hierarchy counts as $1,000 in premium after receiving an insurance license, producing at least 1 sale, and attending a FasTrack Training Seminar. Previously licensed reps count only if joining below AVP level in a base shop.

HBW Level	Requirements For Promotion To Next Level
Training Rep (TREP)	Observe 5 transactions with your manager.
Representative (Rep)	No production required to maintain position. Commission increases at the Rep level based on increments of $5,000 in total production¹, personal or agency, $35,000 in production in your entire organization in 1 year, or $20,000 in gross personal commissions (cash flow), minimum 25 personal cases, to be promoted to Agency Manager.
Representative 2 (Rep 2)	No production required to maintain position. Commission increases at the Rep level based on increments of $5,000 in total production¹, personal or agency, $35,000 in production in your entire organization in 1 year, or $20,000 in gross personal commissions (cash flow), minimum 25 personal cases, to be promoted to Agency Manager.
Agency Manager (AM)	No production required to maintain position. $50,000 in total¹ production in your entire organization in 1 year, or $35, 000 in gross personal commissions (cash flow), minimum 40 personal cases, to be promoted to Senior Agency Manager.
Senior Agency Manager (SAM)	No production required to maintain position. $75,000 in total production¹ in your entire organization in 1 year or $40, 000 in gross personal commissions (cash flow), minimum 50 personal cases to be promoted to Provisional Agency Vice President.
Provisional Agency Vice President (PAVP)	No production required to maintain position. $100,000 in total production¹ in your entire organization in 1 year or $75, 000 in gross personal commissions (cash flow), minimum 50 personal cases to be promoted to Agency Vice President.
Agency Vice President (AVP)	No production required to maintain position. $500,000 annual production, no more than 50% from any one leg. Personal production counts 100% to be promoted to EVP.
Executive Vice President (EVP)	No production required to maintain position. $1,000,000 annual production, no more than 50% from any one leg. Personal production counts 100% to be promoted to NDA.
National Director of Sales (NDA)	No production to maintain position.

¹ - Total production includes 100% of premiums from Life, Disability Insurance, and Long Term Care. Fixed and Indexed Annuities through CMIC counts 5% of premium collected 100% of gross dealer concession for Securities.

Life - Specialty Carrier Commissions

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

American Amicable

Commissions are annualized (75% for agents that qualify) and paid directly from the carrier. Commissions and override percentages are based upon the product payout, then by your HBW level.

Advanced commissions max per case: NDA - $2,500, EVP - $1,500, AVP - $1,000, PAVP - $750, SAM - $500, AM - $500, REP - $500

American National

Commissions are assigned to HBW and paid as earned. Commissions and override percentages are based upon the product payout, then by your HBW level. Please allow a minimum of 4 to 6 weeks for commission statements to be received by HBW. Commission check are processed each week on friday and mailed no later than Monday. Please note that a minimum of $100 in commissions must be obtained before checks are generated.

American Amicable Commission Table
Product	NDA	EVP	AVP	PAVP	SAM	AM	REP 2	REP 1
Easy Term - Term 30	95%	92.50%	90%	80%	70%	60%	50%	50%
Easy Term - Term 20	95%	92.50%	90%	80%	70%	60%	50%	50%
Easy Term - Term 10	80%	77.50%	75%	65%	55%	45%	35%	35%
Family & Golden Solutions Ages 0-80	95%	92.50%	90%	80%	70%	60%	50%	50%
Family & Golden Solutions Ages 81-85	75%	72.50%	70%	60%	45%	35%	25%	25%
Golden Guarantee (Only Available in MD, NC, NJ, SC)	75%	72.50%	70%	60%	50%	40%	30%	25%
Classic Solution	9.50%	9%	8.50%	8%	7%	6%	5%	5%

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

Life Brokerage Carrier Commissions

Product	NDA
Affinity II Term 30	95%
Affinity II Term 20	95%
Affinity II Term 10	85%

Affinity Term 30	100%
Affinity Term 20	57%
Affinity Term 10	57%

Select ROP 30	95%
Select ROP 20	95%
Select ROP 15	90%
Select ROP 10	85%

UL	100%

Commissions are assigned to HBW and paid as earned. Commissions and override percentages are based upon the product payout, then by your HBW level. 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

Banner Life Commission Table

GLAIC - Genworth Life Annuity Insurance Company Commission Table

North American Company for Life and Health Insurance Commission Table

United of Omaha Commission Table

Prudential

West Coast Life Commission Table

Disability Insurance Commissions

Product Name	Product Payout
Term 30	85%
Term 20	85%
Term 15	75%
Term 10	65%
Universal Life	70%

Product Name	Product Payout
Term 30	85%
Term 20	85%
Term 15	75%
Term 10	65%
Term 5	65%
Universal Life	70%

Product Name	Product Payout
Term 30	90%
Term 20	85%
Term 15	75%
Term 10	70%
Universal Life	90%

Product Name	Product Payout
Term 30	80%
Term 20	80%
Term 15	70%
Term 10	60%
Universal Life	70%

Product Name	Product Payout
Term 30	50%
Term 20	50%
Term 15	50%
Term 10	50%
Universal Life	50%

Product Name	Product Payout
Term 30	75%
Term 25	75%
Term 20	80%
Term 15	70%
Term 10	65%
Universal Life	80%

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

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

Long Term Care Insurance Commissions

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

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

Long Term Care Insurance Commission Table *
Carrier	Product Payout 1st Year	Product Payout Years 2-10	Product Payout Years 11+
GE Capitol	55%	5%	5%
John Hancock	60%	5%	5%
MedAmerica	55%	7%	3.5%
MetLife	55%	7%	1%
Prudential	55%	7%	1.5%

* NOTE: Due to some state specific first year commission rate restrictions, "Year 1" commissions will be paid at lower rates than the above schedule. This applies to the states of Delaware, Indiana, Michigan, and Wisconsin. Call HBW for details.

Fixed Annuities Commissions

Commissions are assigned to HBW and paid as earned. Please allow a minimum of 2 to 3 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.

*Includes all brokerage carriers offered through Creative Marketing International Corp. and Principal Financial Group, a direct access carrier, paid through HBW.

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

HBW-Creative Marketing Fixed Annuities Brokerage Division Commissions

Commissions Limitations Period

The Commissions Limitations Period ("CLP") limits the initial commission payout for a fixed annuity sale to a maximum (cumulative) of $10,000.00 to the entire hierarchy for a 30 day period following the commission statement date. Any additional commissions still owed to the selling agent and hierarchy will be paid following the 30 day limitation period. This assures all of us that we are through the "Right of Examination Period" (Free Look Period) and the contract is in force prior to payment of an extremely large commission that could create a detrimental chargeback before the client's grace period is over.

To learn more about the Fixed annuities offered through HBW, please visit these websites:

HBW-Creative Marketing Fixed Annuities Brokerage Division Commissions

In addition to our direct access carriers, HBW offers approximately 190 fixed and fixed-indexed annuities through Creative Marketing. Only top selling fixed and fixed-indexed annuities are listed. Contact HBW or Creative Marketing for information on products not listed below.

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

AIG/American General Life

Allianz

American Equity

AVIVA/American Investors

AVIVA/AmerUs

Great American

Lafayette Life

Lincoln Financial (Jefferson Pilot)

National Western Life

North American Life

Old Mutual (F&G)

Principal Financial Group

RBC Insurance

Commissions Limitations Period

The Commissions Limitations Period ("CLP") limits the initial commission payout for a fixed annuity sale to a maximum (cumulative) of $10,000.00 to the entire hierarchy for a 30 day period following the commission statement date. Any additional commissions still owed to the selling agent and hierarchy will be paid following the 30 day limitation period. This assures all of us that we are through the "Right of Examination Period" (Free Look Period) and the contract is in force prior to payment of extremely large commissions that could create detrimental chargebacks before the client's grace period is over.

To learn more about the Fixed annuities offered through HBW, please visit these websites:

Mortgage Commissions

Carrier/Product	Age	Year 1	Renewal
Global Bonus Index	0-75	7.00%
Global Bonus Index	76-80	4.50%
Global 6 Index	0-75	5.00%	4.50% Yrs 2-3
Global 6 Index	76-80	4.50%	4.00% Yrs 2-3
Global 6 Index	81-85	4.25%	3.50% Yrs 2-3
Global 8 Index	0-75	6.00%	5.00% Yrs 2-5
Global 8 Index	76-80	4.75%	4.50% Yrs 2-5
Horizon Indexed 12 Yr	0-75	9.00%
Horizon Indexed 12 Yr	76-80	5.00%
Horizon Indexed 12 Yr	81-85	3.50%
Horizon Indexed 9 Yr	0-75	7.00%
Horizon Indexed 9 Yr	76-80	4.50%
Horizon Indexed 9 Yr	81-85	3.00%
Emerging Edge	0-75	7.00%
Emerging Edge	76-80	4.00%
VisionAdvantage 5 Yr	0-75	5.00%
VisionAdvantage 5 Yr	76-85	4.00%
VisionAdvantage 7 Yr	0-75	6.00%
VisionAdvantage 7 Yr	76-85	5.00%
VisionAdvantage 9 Yr	0-75	6.00%
VisionAdvantage 9 Yr	76-85	5.00%
Vision Maximizer	0-75	8.00%
HorizonMYG	0-75	9.00%
HorizonMYG	76-80	6.00%
HorizonMYG	81-85	4.00%
HorizonChoice 5 Yr	0-85	2.40%
HorizonChoice 7 Yr	0-85	4.50%	2.20%
HorizonChoice 8 Yr	0-85	3.50%	1.70%
HorizonChoice 9 Yr	0-85	2.65%
HorizonChoice 10 Yr	0-85	5.50%
HorizonChoice Plus 2004	0-75	6.00%
HorizonChoice Plus 2004	76-80	3.20%
HorizonChoice Plus 2004	81-85	1.35%
Horizon Flex	0-75	5.00%	4.00% Yrs 2-5
Horizon Flex	76-80	4.00%	4.00% Yrs 2-5
Horizon Flex	81-85	3.00%	3.00% Yrs 2-5
Platinum Income SPIA	0-90	3.00%

	Option A	Option B	Option C
Carrier/Product	Age	Year 1	Renewal	Trail	Year 1	Renewal	Trail	Year 1	Renewal	Trail
Endurance 15	0-75	8.00%	4.00% Yrs 2-3	N/A	5.50%	2.75% Yrs 2-3*	*0.33% Yrs 2-7	2.00%	1.00%	1.00% Yrs 2+
Endurance 15	76-80	5.00%	2.50% Yrs 2-3	N/A	2.50%	1.25% Yrs 2-3*	*1.00% Yrs 8+	1.00%	0.50%	1.00% Yrs 2+
MasterDex	0-75	7.00%	3.50% Yrs 2-3	N/A	5.25%	2.62% Yrs 2-3	0.50% Yrs 2+	3.00%	1.50% Yrs 2-3	1.00% Yrs 2+
MasterDex	76-85	5.00%	2.50% Yrs 2-3	N/A
MasterDex 5	0-75	9.00%	4.50% Yrs 2-5	N/A	7.00%	3.50% Yrs 2-5	0.50% Yrs 2+	4.50%	2.25% Yrs 2-5	1.00% Yrs 2+
MasterDex 5	76-85	7.00%	3.50% Yrs 2-5	N/A
MasterDex 10	0-75	9.00%	4.50% Yrs 2-5	N/A	7.00%	3.50% Yrs 2-5	0.50% Yrs 2+	4.50%	2.25% Yrs 2-5	1.00% Yrs 2+
MasterDex 10	76-85	7.00%	3.50% Yrs 2-5	N/A

Carrier/Product	Age	Year 1	Renewal	Trail
Bonus Gold	0-75	8.00%	2.75% Yrs 2-5	N/A
Bonus Gold	76-80	6.00%	2.06% Yrs 2-5	N/A
Bonus Gold	81-85	4.00%	1.37% Yrs 2-5	N/A
Integrity Gold	0-75	5.50%	2.75% Yrs 2-5	N/A
Integrity Gold	76-80	4.12%	2.06% Yrs 2-5	N/A
Integrity Gold	81-85	2.75%	1.37% Yrs 2-5	N/A

	Option A	Option B	Option C
Carrier/Product	Age	Year 1	Renewal	Trail	Year 1	Renewal	Trail	Year 1	Renewal	Trail
Income Select 5	0-80	4.00%	2.00% Yrs 2-3	N/A	2.00%	1.00% Yrs 2-3	0.40%	0.80%	0.40% Yrs 2-3	0.80%
Income Select 5	81-85	3.00%	1.50% Yrs 2-3	N/A	1.50%	0.75% Yrs 2-3	0.30%	0.60%	0.30% Yrs 2-3	0.60%
Income Select 7	0-80	5.00%	2.50% Yrs 2-3	N/A	2.50%	1.25% Yrs 2-3	0.50%	1.00%	0.40% Yrs 2-3	1.00%
Income Select 7	81-85	3.50%	1.75% Yrs 2-3	N/A	1.75%	0.88% Yrs 2-3	0.35%	0.70%	0.35% Yrs 2-3	0.70%
Income Select 10	0-75	8.50%	4.25% Yrs 2-5	N/A	4.25%	2.25% Yrs 2-5	0.80%	3.50%	1.75% Yrs 2-5	1.00%
Income Select 10	76-83	7.00%	3.50% Yrs 2-5	N/A	3.50%	1.75% Yrs 2-5	0.70%	2.00%	1.00% Yrs 2-5	1.00%
Income Select Plus	0-75	8.50%	4.25% Yrs 2-5	N/A	4.25%	2.25% Yrs 2-5	0.80%	3.50%	1.75% Yrs 2-5	1.00%
Income Select Plus	76-83	7.00%	3.50% Yrs 2-5	N/A	3.50%	1.75% Yrs 2-5	0.70%	2.00%	1.00% Yrs 2-5	1.00%
Perform. Advantage 15	0-75	9.00%	4.26% Yrs 2-7	N/A
Bonus Select	0-75	8.00%	3.75% Yrs 2-7	N/A
SPIA I	0-80	3.00%	N/A	N/A
SPIA II	0-80	4.00%	N/A	N/A

	Option A	Option B	Option C
Carrier/Product	Age	Year 1	Renewal	Trail	Year 1	Renewal	Trail	Year 1	Renewal	Trail
MultiChoice Income5	0-80	4.00%	2.00% Yrs 2-3	N/A	2.00%	1.00% Yrs 2-3	0.40%	0.80%	0.40% Yrs 2-3	0.80%
MultiChoice Income5	81-85	3.00%	1.50% Yrs 2-3	N/A	1.50%	0.75% Yrs 2-3	0.30%	0.60%	0.30% Yrs 2-3	0.60%
MultiChoice Income7	0-80	5.00%	2.50% Yrs 2-3	N/A	2.50%	1.25% Yrs 2-3	0.50%	1.00%	0.50% Yrs 2-3	1.00%
MultiChoice Income7	81-85	3.50%	1.75% Yrs 2-3	N/A	1.75%	0.88% Yrs 2-3	0.35%	0.70%	0.35% Yrs 2-3	0.70%
MultiChoice Income10	0-80	8.50%	4.25% Yrs 2-5	N/A	4.50%	2.25% Yrs 2-5	0.80%	3.50%	1.75% Yrs 2-5	1.00%
MultiChoice Income10	81-83	7.00%	3.50% Yrs 2-5	N/A	3.50%	1.75% Yrs 2-5	0.70%	2.00%	1.00% Yrs 2-5	1.00%
MultiChoice IncomePlus	0-80	8.50%	4.25% Yrs 2-5	N/A	4.50%	2.25% Yrs 2-5	0.80%	3.50%	1.75% Yrs 2-5	1.00%
MultiChoice IncomePlus	81-83	7.00%	3.50% Yrs 2-5	N/A	3.50%	1.75% Yrs 2-5	0.70%	2.00%	1.00% Yrs 2-5	1.00%
MultiChoice 7	0-75	9.00%	4.00% Yrs 2-7	N/A

	Option A	Option B
Carrier/Product	Age	Year 1	Renewal	Trail	Year 1	Renewal	Trail
Long Term Care Annuity with Rider	45-60	9.00%	N/A	N/A	2.80%	N/A	0.34% Yrs 2+
	61-70	8.00%	N/A	N/A	2.40%	N/A
	71-80	6.00%	N/A	N/A	1.35%	N/A
American Icon II	0-75*	8.50%	7.50% Yr 2*	N/A	6.20%	5.70% Yr 2*	0.42% Yrs 2+
	76-80	7.30%	6.30% Yr 2*	N/A	4.70%	%Yr 2*	0.42% Yrs 2+
	81-85	4.05%	4.05% Yr 2*	N/A	2.70%	%Yr 2*	0.42% Yrs 2+
	*18-75Q		*Reduces Yrs 3-5			*Reduces Yrs 3-5
American Valor II	0-75*	6.50%	5.00% Yr 2*	N/A	4.70%	%Yr 2*	0.42% Yrs 2+
	76-80	5.35%	4.30% Yr 2*	N/A	3.70%	%Yr 2*	0.42% Yrs 2+
	81-85	3.60%	2.30% Yr 2*	N/A	2.20%	%Yr 2*	0.42% Yrs 2+
	*18-75Q		*Reduces Yrs 3-5			*Reduces Yrs 3-5
American Legend II	0-75*	5.50%	4.50% Yr 2*	N/A	3.30%	%Yr 2*	0.42% Yrs 2+
	76-80	5.10%	4.15% Yr 2*	N/A	2.70%	%Yr 2*	0.42% Yrs 2+
	81-85	3.50%	3.00% Yr 2*	N/A	2.10%	%Yr 2*	0.42% Yrs 2+
	*18-75Q		*Reduces Yrs 3-5			*Reduces Yrs 3-5
American Freedom 10-ST	0-80	8.00%	N/A	N/A	4.80%	N/A	0.51% Yrs 2+
	81-85	5.60%	N/A	N/A

	Renewals
Carrier/Product	Age	Year 1	Year 2	Year 3	Year 4	Year 5	Year 6	Year 7	Year 8	Year 9
Marquis Centennial 10	0-70	8.00%	7.00%	6.00%	5.00%	4.00%	3.00%	2.00%	1.50%	1.00%
Marquis Centennial 10	71-80	7.00%	6.00%	6.00%	5.00%	4.00%	3.00%	2.00%	1.50%	1.00%
Marquis Centennial 10	81-85	5.00%	4.00%	4.00%	3.00%	3.00%	2.00%	2.00%	1.50%	1.00%
Marquis Centennial 7	0-70	6.00%	3.00%	3.00%	2.00%	1.00%	0.50%
Marquis Centennial 7	71-80	5.00%	3.00%	3.00%	2.00%	1.00%	0.50%
Marquis Centennial 7	81-85	4.00%	2.50%	2.50%	2.00%	1.00%	0.50%
Marquis Centennial 5	0-75	4.00%	3.00%	2.00%	1.00%	0.50%
Marquis Centennial 5	76-85	3.00%	2.00%	2.00%	1.00%	0.50%
Marquis Centennial 3	0-75	2.00%	1.00%	0.60%
Marquis Centennial 3	76-85	1.00%	1.00%	0.60%
Horizon IA SPIA 94 (Life Income)	0-69	3.00%
Horizon IA SPIA 94 (Installment Income)	70-95	2.00%
Horizon IA SPIA 94 (Installment Income)	3-4 Yrs	1.50%
Horizon IA SPIA 94 (Installment Income)	5-7 Yrs	2.50%
Horizon IA SPIA 94 (Installment Income)	8+ Yrs	3.00%

	Option A	Option B	Option C
Carrier/Product	Age	Year 1	Renewal	Trail	Year 1	Renewal	Trail	Year 1	Renewal	Trail
OptiPoint 8	0-75	6.00%	2.00% Yrs 2-3	N/A	4.75%	2.00% Yrs 2-3	0.25%	3.50%	2.00% Yrs 2-3	0.50%
			1.00% Yrs 4-6	N/A		1.00% Yrs 4-6	0.25%		1.00% Yrs 4-6	0.50%
	76-80	4.00%	2.00% Yrs 2-3	N/A	2.75%	2.00% Yrs 2-3	0.25%
			1.00% Yrs 4-6	N/A		1.00% Yrs 4-6	0.25%
	81-85	2.00%	1.25% Yrs 2-3	N/A
			0.75% Yrs 4-6	N/A
OptiPoint 10	0-75	7.00%	2.00% Yrs 2-4	N/A	5.50%	2.00% Yrs 2-4	0.25%	4.00%	2.00% Yrs 2-4	0.50%
			1.00% Yrs 5-8	N/A		1.00% Yrs 5-8	0.25%		1.00% Yrs 5-8	0.50%
	76-80	4.75%	2.00% Yrs 2-4	N/A	3.25%	2.00% Yrs 2-4	0.25%
			1.00% Yrs 5-8	N/A		1.00% Yrs 5-8	0.25%
OptiPoint 12	0-75	8.00%	2.00% Yrs 2-5	N/A	6.50%	2.00% Yrs 2-5	0.25%	5.00%	2.00% Yrs 2-5	0.50%
			1.00% Yrs 6-10	N/A		1.00% Yrs 6-10	0.25%		1.00% Yrs 6-10	0.50%
OptiChoice 7	0-75	6.00%	1.75% Yr 2	N/A	4.75%	1.75% Yr 2	0.25%	3.50%	1.75% Yr 2	0.50%
			1.25% Yrs 3-4	N/A		1.25% Yrs 3-4	0.25%		1.25% Yrs 3-4	0.50%
	76-80	4.50%	1.25% Yr 2	N/A	3.25%	1.25% Yr 2	0.25%
			0.75% Yrs 3-4	N/A		0.75% Yrs 3-4	0.25%
	81-85	3.00%	1.25% Yr 2	N/A	1.75%	1.25% Yr 2	0.25%
			0.75% Yrs 3-4	N/A		0.75% Yrs 3-4	0.25%
Classic 5	0-75	4.00%	N/A	N/A
	76-80	2.75%	N/A	N/A
	81-85	1.50%	N/A	N/A
Classic 7	0-75	5.00%	N/A	N/A
	76-80	3.50%	N/A	N/A
	81-85	1.75%	N/A	N/A

Carrier/Product	Age	Year 1	Renewal	Trail
Ultra Future *	0-75	8.00%	1.00% Yrs 2-5	N/A
*All States Except WA, MN, IL, IN, NJ, PA	76-80	6.00%	1.00% Yrs 2-6	N/A
	81-85	4.50%	1.00% Yrs 2-7	N/A
Ultra Future *	0-75	7.00%	1.00% Yrs 2-5	N/A
*Only WA, MN, IL, IN, NJ, PA	76-80	5.00%	1.00% Yrs 2-6	N/A
	81-85	4.00%	1.00% Yrs 2-7	N/A
Ultra Classic	0-75	13.00%	1.00% Yrs 2-5	N/A
	76-80	11.50%	1.00% Yrs 2-6	N/A
	81-85	10.00%	1.00% Yrs 2-7	N/A
Ultra Benefit (NQ)	0-75	8.00%	2.00% Yrs 2-5	N/A
	76-80	6.00%	2.00% Yrs 2-6	N/A
	81-85	3.50%	2.00% Yrs 2-7	N/A
Ultra Benefit (Q)	0-70	8.00%	2.00% Yrs 2-8	N/A
	71-75	5.50%	2.00% Yrs 2-9	N/A
	76-80	3.50%	2.00% Yrs 2-10	N/A
	81-85	1.00%	2.00% Yrs 2-11	N/A

Carrier/Product	Year 1	Age	Renewal	Renewal
Charter 7-Year	0-85	8.50%	3.00% Yrs 2-3	2.00% Yrs 4-7
Precision 7-Year	0-85	8.50%	3.00% Yrs 2-3	2.00% Yrs 4-7
Prizm 7-Year	0-85	8.50%	3.00% Yrs 2-3	2.00% Yrs 4-7
Charter 10-Year	0-79	8.50%	3.00% Yrs 2-3	2.00% Yrs 4-7
Precision 10-Year	0-79	8.50%	3.00% Yrs 2-3	2.00% Yrs 4-7
Prizm 10-Year	0-79	8.50%	3.00% Yrs 2-3	2.00% Yrs 4-7

	Option A	Option B	Option C
Carrier/Product	Age	Year 1	Renewal	Trail	Year 1	Renewal	Trail	Year 1	Renewal	Trail
Spectrum Choice Bonus	0-79	10.00%	10.00% Yrs 2-3	N/A	3.35%*	N/A	1.2% for 8 Yrs	1.3%*	N/A	1.3% for 8 Yrs
	80-85	5.00%	5.00% Yrs 2-3	N/A	* Options B & C apply to premiums of over $1 Million to $2.5 Million only.
Spectrum Rewards Reserve (Except MA)	0-79	9.00%*	9.00% Yrs 2-3	N/A	6.25%	6.25% Yrs 2-3	0.50%	3.50%	3.50% Yrs 2-3	1.00%
	80-85	4.50%*	4.50% Yrs 2-3	N/A	* Reduced commissions w/Trails available for >$1 Million Premium
Spectrum Rewards Choice 9 (Except MA)	0-79	9.00%*	9.00% Yrs 2-3	N/A	6.25%	6.25% Yrs 2-3	0.50%	3.50%	3.50% Yrs 2-3	1.00%
	80-85	4.50%*	4.50% Yrs 2-3	N/A	* Reduced commissions w/Trails available for >$1 Million Premium
Safety Index 7	0-79	6.00%	6.00% Yrs 2-3	N/A	1.00%	1.00% Yrs 2-3	0.75%
(All states except CT, MA, MN, UT, WA)	80-85	3.00%	3.00% Yrs 2-3	N/A
Safety Index 7	0-79	4.75%	4.75% Yrs 2-3	N/A	1.00%	1.00% Yrs 2-3	0.75%
(Only CT, MA, MN, UT, WA)	80-85	2.375%	2.375% Yrs 2-3	N/A
Loyalty Rwds Escltr 8	0-79	5.50%	5.50% Yrs 2-3	N/A
(All states except CT, MN, UT)	80-85	2.75%	2.75% Yrs 2-3	N/A
Loyalty Rwds Escltr 10	0-79	6.50%	6.50% Yrs 2-3	N/A
(All states except CT, MN, UT)	80-85	3.25%	3.25% Yrs 2-3	N/A
Guaranteed Income Plan SPIA	0-89	3.00%	N/A	N/A
	90-94	2.75%	N/A	N/A
	95	2.50%	N/A	N/A
	96	2.25%	N/A	N/A
	97	2.00%	N/A	N/A
	98	1.50%	N/A	N/A
	99-100	0.75%	N/A	N/A

Carrier/Product	Age	Year 1	Renewal	Trail
Performance Annuity 7	0-75	5.00%	N/A	N/A
	76+	3.33%	N/A	N/A
Guaranteed Fixed Annuity	0-80	4.00%	N/A	N/A
	81-90	2.60%	N/A	N/A
	91+	1.30%	N/A	N/A
FPDA Plus	0-80	4.00%	3.00% Yr-2	N/A
	81-90	2.50%	2.00% Yr-2	N/A
	91+	1.25%	1.00% Yr-2	N/A
Select Series 3-Year	0-80	1.00%	N/A	N/A
	81-85	0.50%	N/A	N/A
Select Series 10-Year	0-80	5.00%	N/A	N/A
	81-85	2.50%	N/A	N/A
Income Annuity		2.00%*	N/A	N/A
		4.00%**	N/A	N/A

Carrier/Product	Age	Year 1	Renewal	Trail
Value Master	0-75	8.50%	2.25% Yrs 2-6	N/A
	76-80	6.50%	1.25% Yrs 2-6	N/A
	81-85	5.50%	1.25% Yrs 2-6	N/A
Flex Master	0-70	5.00%	3.00% Yrs 2-5
Master Builder	0-69	6.25%
	70-80	4.25%
Guar. 3+3 Master	0-75	2.00%
	76-80	1.25%
	81-85	0.50%
Index Master Dow 10-Yr	0-75	9.00%
	76-80	7.25%
	81-85	5.25%
Index Master S&P 7-Yr	0-75	6.00%	1.75% Yrs 2-4
	76-80	4.75%	1.25% Yrs 2-4
	81-85	3.50%	1.25% Yrs 2-4

Residential Mortgage Commission Levels
HBW Level	NDA	EVP	AVP	PAVP	SAM	AM	REP 2	REP 1
Percentage Payout	80%	75%	70%	60%	55%	50%	40%	40%

Compensation Example: $400,000 Loan Amount x 0.50% = $2,000.00 Production Credit
80% NDA = $1,600.00
70% AVP = $1,400.00
40% Rep = $800.00

Commerical Mortgage Commission Levels
HBW Level	NDA	EVP	AVP	PAVP	SAM	AM	REP 2	REP 1
Percentage Payout	75%	72.5%	70%	65%	60%	50%	40%	40%

Compensation Example: $1,000,000 Loan Amount x 2% Loan Officer Fee* = $20,000
$20,000 x 20% = $4,000 Production Credit
75 % NDA = $3,000
70% AVP = $2,100
40% REP = $1,200
*Loan Officer Fee can vary from 1%-4% depending on loan size and difficulty of loan.

Reverse Mortgage Commissions

Reverse Mortgage Commission Levels
HBW Level	NDA	EVP	AVP	PAVP	SAM	AM	REP 2	REP 1
Percentage Payout	75%	72.5%	70%	65%	60%	50%	40%	40%

Compensation Example: $200,000 HUD Value x 0.50% = $1,000 Production Credit
75% NDA = $750.00
70% AVP = $700.00
40% REP = $400.00