Never heard this talked about. Transamerica applies your renewals toward your Advance debt.

FYI- their cap is also only $1,500.. with 25% of monthly premium paid out over 1 year if in excess..It'll be rare to write anything over $150 a month in FE but just in case you do....be aware.. I recently wrote a 2 million dollar policy with them.. $325 per month premium.. @110% for the term... My initial comp was $1,500 plus about $80 or so as earned for the next 12 months.. (25% of the $325 monthly premium)... the rest goes to any advanced debt.. Thought I was looking at a $4,000+ commission over the span of 12 months.... wrong-
 
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