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Remuneration
• The remuneration will be paid to you in the form of Commission as percentage of premium collected through the policies sold by you.
• It is not a one time commission on a sale made by you.
• It provides you the royalty income through out the term of policy.
• As long as policy holder pays the Premium you will get the commission.
• Moreover this commission is hereditary i.e. it will be paid to your nominees even after your death.
The Commission rates on regular premium policies are as under:
First year Commission : 4% to 25% depending up on the type & term of the policy.
Bonus Commission : 40% of first year commission.
Renewal Commission:
2nd and 3rd year of policy: 2% to 7.50% depending up on the type and term of policy.
4th year onwards : 2% to 5% depending up on the type and term of policy.
Example of Commission on Endowment type of policy of Term 15 years and above:
1st Year Commission : 25% of Premium.
Bonus Commission : 40% of first year Commission (i.e. 10% of Premium)
Total 1st Year Commission : 35% of Premium
Renewal Commission:
2nd & 3rd Year of policy : 7.5% of Premium
4th Year onwards: 5% of Premium
Your Expected Commission for Next 5 years:
| Expected Premium | Expected Commission | ||||
| 1st year | 2nd year | 3rd year | 4th year | 5th year | |
| ₹12,00,000 | ₹4,20,000 | ₹90,000 | ₹90,000 | ₹60,000 | ₹60,000 |
| ₹24,00,000 | ₹8,40,000 | ₹1,80,000 | ₹1,80,000 | ₹1,20,000 | |
| ₹36,00,000 | ₹12,60,000 | ₹2,70,000 | ₹2,70,000 | ||
| ₹48,00,000 | ₹16,80,000 | ₹3,60,000 | |||
| ₹60,00,000 | ₹21,00,000 | ||||
| TOTAL | ₹4,20,000 | ₹9,30,000 | ₹15,30,000 | ₹21,90,000 | ₹29,10,000 |
As Years pass by your Renewal Commission keeps on increasing thereby assuring you a pension for the next 20 to 25 years when you stop working or to your family on your death.