Generational Overrides

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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%

Please Note: Generational Overrides for ING are paid as earned only.

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%

NOTE: Generational overrides may not apply to all fixed annuity products.

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%