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Simple, the crappier the product usually means higher commissions.
Standard Life and Accident pays up to 18% on under $25k. Crappy Non-par WL Product with low face amount ratios.
Baltimore Life pays 13-14% with better face amount ratio but a non-par WL product.
Sagicor pays 7-9% and offers a good face amount ratio with interest sensitive or indexed WL product with day 1 guaranteed return of principle and Simplified underwriting (Table 4 as standard)
The better the product is for the consumer is usually less in comp.
Simple, the crappier the product usually means higher commissions.
Standard Life and Accident pays up to 18% on under $25k. Crappy Non-par WL Product with low face amount ratios.
Baltimore Life pays 13-14% with better face amount ratio but a non-par WL product.
Sagicor pays 7-9% and offers a good face amount ratio with interest sensitive or indexed WL product with day 1 guaranteed return of principle and Simplified underwriting (Table 4 as standard)
The better the product is for the consumer is usually less in comp.
So based on this post how many producers have knocked on your door looking for Standard life contracts