Commissions
We, OBF Insurance Group Ltd. act as intermediary (Broker) between you, the consumer, and the product provider with whom we place your business.
The background
Provision 4.58A of the Central Bank of Ireland's September 2019 Addendum to the Consumer Protection Code states that all intermediaries must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the intermediary which it has agreed with its product producers.
What is commission?
For the purpose of this document, commission is the payment earned by the intermediary for work undertaken on behalf of both the provider and the consumer. The amount of commission is generally directly related to the quantity or value of the products sold.
We are remunerated by commission and other payments from product producers. When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their product offering. This will form part of our analysis for choosing a product provider.
Our Brokerage commission options are displayed as a range, showing the maximum amount which can be received. The level of commission depends on individual circumstances, based on the following factors:
The factors that may impact a variation in charges include;
- Client segmentation
- Adviser discretion
- Competitive pressures
- Investment/pensions/saving size
- Schemes size
- Term/timeline of a policy or service
- Complexity of advice
- Preferential terms in the market, available to a Brokerage & client at the time
There are different types of commission models:
| Single commission model: | Where payment is made to the intermediary shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/premium amount financed. |
| Trail/Renewal commission model: | Where further payments at intervals are paid throughout the life span of the product. |
| Indemnity commission | Indemnity commission is the term used to describe a commission payment made before the commission is deemed to be 'earned'. Indemnity commission may be subject to a clawback (see below) if the consumer lapses or cancels the product before the commission is deemed to be earned. |
Other forms of indemnity commission are advances of commission for future sales granted to intermediaries in order to assist with set up costs or business development.
General insurance products
General insurance products, such as motor, home, travel, health, commercial or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product.
Profit Share arrangements
In some cases, the intermediary may be a party to a profit-share arrangement with a product provider and will earn additional commission. Any business arranged with these product providers on a client’s behalf will be placed with the product provider because that product provider is, at the time of placement, the most suitable to meet the client’s requirements, taking all the client’s relevant information, demands and needs into account.
Life Assurance/Investments/Pension products
For Life Assurance products, commission is divided into initial commission and renewal commission (related to premium) or fund-based commission/trail commission relating to the value of the accumulated fund.
Trail commission, bullet commission, fund-based or renewal commission are all terms used for ongoing payments. Where an investment fund is being built up though an insurance-based investment product or a pension product, the payments may be based on a percentage of the value of the fund or the annual premium. For a single premium/lump sum product, the payment is generally based on the value of the fund.
Examples of products include Life Protection, Regular Premium Life Assurance Investments, Single Premium (lump sum) Insurance-based Investments, and Single Premium Pensions.
Investments
Investment firms, which fall within the scope of the European Communities (Markets in Financial Instruments) Regulations 2007 (the MiFID Regulations), offer both standard commission and commission models involving initial and trail commission. Increments may be based on a percentage of the investment management fees, or on the value of the fund.
Credit Products/Mortgages
Commission may be earned by intermediaries for arranging credit for consumers, such as insurance premium financing and mortgages. The single, or standard, commission model is the most common commission model applied to the sale of mortgage products by mortgage credit intermediaries (Mortgage Broker). OBF Insurance Group Ltd. is not a mortgage broker.
Clawback
Clawback is an obligation on the intermediary to repay unearned commission. Commission can be paid directly after a contract is concluded but is not deemed to be ‘earned’ until after a specified period of time. If the consumer cancels or withdraws from the financial product within the specified time, the intermediary must return commission to the product producer.
Fees
The firm may also be remunerated by fee by the product producer such as policy fee, administration fee, or in the case of investment firms, advisory fees. Please see the section of our website called Fees and Charges for details.
Please Note
The enclosed commission guidance section gives indicative values across every product provider and every product advised upon where a commission or fee is received by us. This is the maximum our brokerage will receive and is subject to change. We do not receive the maximum commission in every case. In a small number of one-off cases, our brokerage may receive a different remuneration than the enclosed percentages/amounts. This will be disclosed to each client as per the Central Bank Consumer Protection Code regulations, on a client by client basis.
Non-Monetary Benefits
The firm may also be in receipt of non-monetary benefits such as:
- Attendance at product provider seminars
- Assistance with Advertising/Branding
Further detail on the providers we work with, the products we sell and the maximum commissions available to us are outlined below.
Arachas Corporate Brokers Ltd - AIC
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1605 | 9.6% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1073 | 10% |
| 267 | 10% |
| 300 | 4.84% |
AIG Europe S.A
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1439 | 20% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1498 | 17.5% |
| 1500 | 20% |
| 1611 | 12% |
| 1629 | 20% |
| 1631 | 10% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1223 | 20% |
| 1291 | 17.5% |
| 179 | 5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1469 | 20% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1583 | 20% |
| 1731 | 9.5% |
| 1782 | 20% |
| 2094 | 20% |
| 562 | 20% |
| 594 | 17.5% |
| 725 | 20% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 772 | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1032 | 20% |
| 1113 | 15% |
| 1152 | 20% |
| 1368 | 15% |
| 1405 | 20% |
| 1412 | 20% |
| 1420 | 20% |
| 1663 | 20% |
| 1682 | 20% |
| 1719 | 20% |
| 189 | 20% |
| 1903 | 20% |
| 1924 | 20% |
| 2032 | 17.5% |
| 400 | 20% |
| 48 | 25% |
| 535 | 17.5% |
| 536 | 25% |
| 539 | 20% |
| 721 | 15% |
| 739 | 25% |
| 76 | 20% |
| 829 | 20% |
Campion Insurances Ltd
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 268 | 10% |
| 314 | 10% |
Allianz Plc.
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission € | Commission % |
|---|---|---|
| 1497 | €19 | 19% |
| 1643 | - | 20% |
| 1982 | - | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1287 | 18.78% |
| 1423 | 15% |
| 1568 | 5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1468 | 15% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1995 | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1011 | 15% |
| 1086 | 10% |
| 1087 | 15% |
| 1587 | 10% |
| 159 | 18.775% |
| 168 | 19% |
| 1791 | 10% |
| 1867 | 5% |
| 1868 | 10% |
| 1983 | 15% |
| 2099 | 20% |
| 637 | 20% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1007 | 15% |
| 1013 | 5% |
| 1025 | 15% |
| 2 | 7.5% |
| 766 | 15% |
| 774 | 10% |
| 787 | 15% |
| 831 | 15% |
| 900 | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1008 | 15% |
| 1009 | 15% |
| 101 | 10% |
| 1010 | 16% |
| 1012 | 10% |
| 1014 | 19% |
| 1037 | 15% |
| 1131 | 15% |
| 1135 | 15% |
| 115 | 10% |
| 117 | 15% |
| 1183 | 20% |
| 1195 | 15% |
| 124 | 15% |
| 1279 | 10% |
| 1318 | 5% |
| 133 | 15% |
| 1332 | 10% |
| 1343 | 15% |
| 1344 | 15% |
| 1345 | 7.5% |
| 1346 | 15% |
| 1347 | 15% |
| 1348 | 15% |
| 1349 | 15% |
| 135 | 15% |
| 1355 | 7.5% |
| 1357 | 15% |
| 1358 | 10% |
| 1359 | 15% |
| 1404 | 15% |
| 1422 | 18.78% |
| 1506 | 15% |
| 151 | 15% |
| 1511 | 20% |
| 158 | 18.775% |
| 166 | 15% |
| 167 | 19% |
| 1684 | 10% |
| 1717 | 15% |
| 1743 | 15% |
| 1811 | 15% |
| 1812 | 15% |
| 1813 | 15% |
| 1814 | 15% |
| 1815 | 15% |
| 1816 | 15% |
| 1817 | 15% |
| 1818 | 15% |
| 1819 | 15% |
| 1820 | 15% |
| 1821 | 15% |
| 1840 | 10% |
| 1841 | 15% |
| 1854 | 15% |
| 1858 | 15% |
| 1869 | 10% |
| 1880 | 5% |
| 1882 | 15% |
| 1892 | 15% |
| 1902 | 15% |
| 1950 | 15% |
| 1951 | 15% |
| 1953 | 5% |
| 1963 | 20% |
| 2000 | 15% |
| 2129 | 10% |
| 266 | 15% |
| 277 | 15% |
| 350 | 15% |
| 377 | 15% |
| 39 | 15% |
| 399 | 15% |
| 420 | 15% |
| 434 | 10% |
| 480 | 7.5% |
| 493 | 15% |
| 523 | 15% |
| 593 | 15% |
| 60 | 18.75% |
| 652 | 15% |
| 677 | 15% |
| 688 | 15% |
| 72 | 17.5% |
| 802 | 10% |
| 839 | 20% |
| 875 | 5% |
| 99 | 15% |
Aon Insurance Markets Ireland
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1651 | 15% |
| 1652 | 10% |
| 1653 | 8% |
| 1654 | 10% |
| 1655 | 10% |
| 1656 | 10% |
| 1657 | 10% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1557 | 5% |
| 1571 | 5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1477 | 10% |
| 1483 | 20% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1144 | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1650 | 10% |
| 1729 | 15% |
| 1798 | 8% |
| 257 | 10% |
| 260 | 10% |
| 586 | 10% |
| 600 | 10% |
| 649 | 8% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1002 | 12% |
| 1003 | 12% |
| 970 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1000 | 12% |
| 1023 | - |
| 1024 | - |
| 1137 | 10% |
| 1171 | 10% |
| 1172 | 12.5% |
| 1194 | 10% |
| 1311 | 5% |
| 1312 | 5% |
| 1313 | - |
| 1330 | 7% |
| 1331 | - |
| 1427 | 10% |
| 1481 | 10% |
| 1556 | - |
| 1698 | 15% |
| 1735 | 12.5% |
| 1740 | 10% |
| 1803 | 6.75% |
| 1823 | 10% |
| 1872 | 15% |
| 198 | 12% |
| 2001 | 8% |
| 2022 | 12.5% |
| 255 | 10% |
| 256 | 8% |
| 259 | 15% |
| 269 | 10% |
| 296 | 10% |
| 360 | 10% |
| 361 | 10% |
| 362 | 10% |
| 363 | 12.5% |
| 364 | 10% |
| 365 | 7.5% |
| 366 | 10% |
| 367 | 8% |
| 368 | 10% |
| 369 | 13% |
| 409 | 10% |
| 410 | 10% |
| 411 | 15% |
| 412 | 10% |
| 414 | 4.5% |
| 422 | 10% |
| 448 | 5% |
| 449 | - |
| 465 | 7.5% |
| 466 | 7.5% |
| 476 | 10% |
| 477 | 10% |
| 499 | 10% |
| 500 | 10% |
| 501 | 10% |
| 550 | 10% |
| 554 | 20% |
| 587 | 25% |
| 588 | - |
| 589 | 10% |
| 59 | 5% |
| 599 | 10% |
| 672 | 7.5% |
| 691 | 10% |
| 694 | 7.5% |
| 715 | 10% |
| 723 | 10% |
| 733 | 10% |
| 738 | 12% |
| 762 | 5% |
| 763 | - |
| 832 | - |
| 834 | 10% |
| 867 | 13% |
Arachas
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1098 | 15% |
| 218 | 10% |
| 660 | 12% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1099 | 13% |
| 1424 | 10% |
| 1824 | 12.5% |
| 1881 | 10% |
| 270 | 15% |
| 489 | 13% |
| 959 | 10% |
| 960 | 15% |
| 961 | 15% |
| 962 | 15% |
Arachas Corporate Brokers
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1295 | 15% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1212 | 15% |
| 720 | 15% |
| 915 | 15% |
| 919 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 184 | 11.25% |
| 276 | 15% |
ARB Underwriting Ltd.
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 2106 | 20% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1621 | 18% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1277 | 8% |
| 2146 | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 724 | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1323 | 8% |
| 1324 | 5% |
| 1325 | 10% |
| 1326 | 10% |
| 1696 | 20% |
| 2002 | 20% |
| 294 | 20% |
Aviva Insurance Ltd.
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1609 | 20% |
| 1610 | 20% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 147 | 7.5% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1132 | 10% |
| 1134 | 10% |
| 2045 | 20% |
| 565 | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1988 | 5% |
| 2091 | 12% |
| 211 | 10% |
| 626 | 7.5% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 923 | 20% |
| 978 | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 11 | 20% |
| 1110 | 20% |
| 1124 | 10% |
| 1127 | 20% |
| 1151 | 15% |
| 1198 | 20% |
| 1369 | 21% |
| 1408 | 15% |
| 1442 | 16% |
| 1443 | 16% |
| 1444 | 15% |
| 16 | 5% |
| 1730 | 20% |
| 1736 | 21% |
| 175 | 10% |
| 1808 | 10% |
| 1873 | 20% |
| 1887 | 15% |
| 1896 | 15% |
| 1910 | 17.5% |
| 1964 | 17.5% |
| 2008 | 20% |
| 2053 | 15% |
| 306 | 15% |
| 456 | 15% |
| 513 | 15% |
| 653 | 15% |
| 654 | 15% |
| 655 | 15% |
| 656 | 15% |
| 661 | 20% |
| 673 | 15% |
| 682 | 21% |
| 752 | 15% |
| 769 | 15% |
| 781 | 20% |
| 796 | 5% |
| 826 | 7.5% |
| 844 | 15% |
Aviva Life & Pensions Ireland DAC
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 2024 | 140% | 22% | 24 |
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| 1939 | 4% | 0.5% |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1977 | 140% | 22% | 24 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| 1874 | 7.5% | 0.25% | 2% | 48 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1451 | 150% | 22% | 24 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1834 | 5% | 5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1515 | 3.5% | 0.25% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1262 | 140% | 22% | 24 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1026 | 200% | 30% | 48 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1044 | 3.5% | 0.25% |
Group Life Protection
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 860 | 6% | 6% |
Group Income Protection
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 856 | 12.5% | 12.5% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| 1829 | 3% | 0.25% | 3% |
| 1934 | 3.5% | 0.25% | - |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 81 | 3.5% | 0.25% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 54 | 3% |
AXA Insurance dac
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 2111 | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1269 | 5% |
| 142 | 5% |
| 2144 | 5% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1216 | 20% |
| 1661 | 20% |
| 1955 | 5% |
| 2012 | 5% |
| 2038 | 15% |
| 770 | 17.5% |
| 845 | 18% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1580 | 17.5% |
| 1989 | 10% |
| 627 | 7.5% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 912 | 25% |
| 956 | 15% |
| 982 | 17.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 131 | 5% |
| 1336 | 12% |
| 1662 | 15% |
| 1678 | 17.5% |
| 1849 | 20% |
| 1850 | 15% |
| 1891 | 15% |
| 1911 | 5% |
| 1976 | 5% |
| 2048 | 5% |
| 2061 | 15% |
| 2062 | 15% |
| 22 | 5% |
| 402 | 20% |
| 746 | 17.5% |
| 827 | 5% |
| 838 | 5% |
| 878 | 20% |
| 879 | 5% |
BCP
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 1045 | 4% |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial € | Recurring Commission % |
|---|---|---|
| 92 | No | 0.75% |
Beazley Insurance Dac
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1606 | 25% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 2147 | 20% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product |
|---|
| 1139 |
| 545 |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1507 | 20% |
| 716 | 25% |
Benchmark Underwriting Ltd.
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 913 | 17.5% |
| 973 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1421 | 17.5% |
| 2052 | 15% |
| 332 | 17.5% |
| 403 | 20% |
bespoke
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product |
|---|
| 1046 |
Bishops Gate
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1607 | 15% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 2044 | 25% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 974 | 15% |
| 998 | 32.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 302 | 15% |
| 764 | 28.5% |
Blue Insurances Ltd
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 2113 | 20% |
| 2121 | 20% |
| 2122 | 20% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1278 | 20% |
| 143 | 20% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1495 | 20% |
| 2152 | 20% |
| 820 | 15% |
Joseph G Brady Insurance Ltd t/a Brady Underwriting
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1467 | 10% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 742 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1076 | 10% |
| 136 | 15% |
| 137 | 15% |
| 312 | 10% |
| 717 | 10% |
Ornella Underwriting Ltd t/a Bump Insurance
Canopius Underwriting Ltd
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 2080 | 25% |
CFC Underwriting
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1584 | 20% |
| 547 | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 275 | 20% |
| 344 | 20% |
| 580 | 20% |
Chubb European Group (Dublin)
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1635 | 20% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1458 | 20% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1114 | 20% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 234 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 387 | 8% |
| 419 | 15% |
| 805 | 8% |
Chubb Ins Co. of Europe S.E.
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1658 | 20% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1177 | 20% |
| 481 | 20% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 546 | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 79 | 14% |
Tysers Ireland Limited T/A Tysers Underwriting
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 852 | 20% |
Arachas Corporate Brokers t/a Cover Centre
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1061 | 15% |
| 977 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 388 | 6% |
ARAG Legal Protection Ltd
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission € | Commission % |
|---|---|---|
| 380 | €24.59 | 25% |
| 615 | - | 10% |
Davy Select
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1744 | 5% | 5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1512 | 3.5% | 0.25% |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1042 | 3.5% | 0.25% |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 88 | 3.5% | 0.25% |
Dolmen Insurance Brokers Ltd.
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1640 | 10% |
| 1732 | 8.5% |
| 1781 | 8.5% |
| 237 | 8.5% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1524 | 10% |
| 2133 | 10% |
| 46 | 10% |
| 601 | 15% |
| 602 | 15% |
| 814 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1071 | 15% |
| 140 | 10% |
| 1721 | 15% |
| 1739 | 12.5% |
| 1851 | 10% |
| 333 | 8.5% |
| 496 | 12.5% |
| 583 | 20% |
| 713 | 10% |
| 935 | 12.5% |
Ecclesiastical Insurance Office Plc.
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1280 | 15% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1109 | 15% |
| 15 | 15% |
| 2036 | 15% |
| 5 | 15% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1582 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1081 | 15% |
| 1202 | 15% |
| 170 | 15% |
| 1727 | 15% |
| 223 | 15% |
| 355 | 15% |
| 408 | 15% |
| 576 | 15% |
| 609 | 15% |
| 67 | 15% |
| 692 | 15% |
| 898 | 15% |
| 909 | 15% |
EverSure
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1005 | 15% |
| 931 | 15% |
| 989 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1852 | 15% |
FBD Insurance Plc.
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1380 | 20% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1970 | 6.5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1752 | 15% |
| 1753 | 15% |
| 1762 | 10% |
| 620 | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1670 | 20% |
| 907 | 20% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1314 | 10% |
| 1366 | 15% |
| 1434 | 6.5% |
| 27 | 15% |
| 281 | 5% |
| 282 | 10% |
| 298 | 20% |
| 304 | 10% |
| 32 | 20% |
| 406 | 20% |
| 870 | 15% |
Friends First
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| 1940 | 4% | 0.5% |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| 1875 | 3% | 0.25% | 3% | 36 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1835 | 5% | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 210 | 10% |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1050 | 3.5% | 0.25% |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 82 | 3.5% | 0.25% |
Frost Insurances Ltd
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1734 | 12.5% |
Greenman
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1051 | 2.5% | 0.5% |
Hiscox SA
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1608 | 17.5% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 591 | 17.5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 236 | 17.5% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 976 | 17.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1407 | 17.5% |
| 26 | 17.5% |
Irish Life Assurance plc
Whole of Life Protection
The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 2153 | 100% | 28% | 60 |
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 2025 | 180% | 28% | 60 |
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| 1942 | 5% | 0.75% |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1978 | 180% | 28% | 60 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal | Clawback Period (Months) |
|---|---|---|---|---|
| 1876 | 22% | 0.25% | 5.5% | 48 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1447 | 160% | 20% | 60 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1836 | 17.5% | 5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1516 | 3.5% | 0.25% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1263 | 180% | 28% | 60 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1027 | 180% | 3% | 60 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1052 | 3.5% | 0.25% |
Group Life Protection
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 861 | 6% | 6% |
Group Income Protection
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 857 | 12.5% | 12.5% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| 1830 | 3% | 0.25% | 3% |
| 1935 | 3.5% | 0.25% | - |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 83 | 3.5% | 0.25% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 56 | 3% |
Marsh Ireland Brokers Limited
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1594 | 10% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1455 | 8.96% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 616 | 12.5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 253 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1302 | 5% |
| 169 | 10% |
| 1984 | 10% |
| 284 | 10% |
| 617 | 10% |
| 809 | 3% |
KennCo Underwriting Ltd
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1633 | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1316 | 15% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1754 | 15% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 920 | 15% |
| 926 | 15% |
| 927 | 15% |
| 928 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1317 | 15% |
| 1327 | 15% |
| 821 | 15% |
Generali Seguros t/a RedClick
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 922 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 13 | 10% |
| 1569 | 8.5% |
| 1846 | 20% |
| 321 | 15% |
Lloyds of London
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1620 | 15% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 160 | 10% |
| 2059 | 12% |
| 888 | 8% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1338 | 32% |
| 441 | 32% |
| 780 | 28.5% |
| 808 | 28.5% |
| 9 | 10% |
Methodist Insurance Plc,
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 229 | 15% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 981 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 193 | 15% |
| 273 | 12.5% |
| 324 | 15% |
New Ireland Assurance Company plc
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Clawback Period (Months) |
|---|---|---|
| 2026 | 150% | 36 |
Single Premium PRSA
| Product | Initial % | Recurring % | Clawback Period |
|---|---|---|---|
| 1941 | 10% | 0.5% | 60 |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Clawback Period (Months) |
|---|---|---|
| 1979 | 150% | 36 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| 1877 | 10% | 0.25% | 2.5% |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1448 | 225% | 50% | 60 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1837 | 5% | 5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1517 | 3.5% | 0.25% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Clawback Period (Months) |
|---|---|---|
| 1264 | 150% | 36 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1028 | 130% | 3% | 16 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1053 | 3.5% | 0.25% | - |
| 1826 | 15% | 0.5% | 60 |
| 1827 | 25% | 1% | 60 |
| 1828 | 25% | 0.5% | 60 |
Group Life Protection
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 862 | 20% | 20% | 12 |
Group Income Protection
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 858 | 20% | 20% | 12 |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| 1831 | 3% | 0.25% | 3% |
| 1936 | 3.5% | 0.25% | - |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 84 | 3.5% | 0.25% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 55 | 3% |
NFP Commercial Insurance Solutions (Ireland)
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1604 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1505 | 9.5% |
| 2135 | 20% |
| 283 | 14.5% |
Hastings Insurance (Dublin) Limited t/a Hastings Insurance
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 279 | 15% |
Arachas Corporate Brokers- O'Driscoll O'Neil
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 2124 | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product |
|---|
| 177 |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product |
|---|
| 1952 |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1777 | 7.5% |
| 233 | 7.5% |
| 254 | - |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1083 | 15% |
| 1728 | 15% |
| 194 | 7.5% |
| 274 | 10% |
| 331 | 10% |
| 34 | 7.5% |
| 357 | 15% |
| 358 | 15% |
| 38 | 7.5% |
Aston Lark Europe Limited t/a Robertson Low
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1602 | 10% |
| 1659 | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1193 | 10% |
| 1578 | 10% |
| 1789 | 10% |
| 243 | 10% |
| 643 | 10% |
| 823 | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 901 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 106 | 10% |
| 1188 | 10% |
| 134 | 10% |
| 1688 | 10% |
| 340 | 10% |
| 341 | 13% |
| 374 | 5% |
| 473 | 10% |
| 478 | 10% |
| 491 | 10% |
| 495 | 10% |
| 541 | 10% |
| 553 | 12% |
| 579 | 10% |
| 61 | 15% |
| 707 | 10% |
| 71 | 10% |
| 741 | 10% |
| 765 | 10% |
Royal London Insurance DAC
Whole of Life Protection
The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 2154 | 225% | 36% | 60 |
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 2027 | 225% | 36% | 60 |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1980 | 225% | 36% | 60 |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1450 | 225% | 36% | 60 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1747 | 20% | 2.5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 1494 | 5% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1265 | 225% | 36% | 60 |
Income Protection
An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1029 | 225% | 60% | 60 |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 91 | 5% |
RSA Insurance Ireland DAC
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1641 | 10% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1197 | 15% |
| 1270 | 7.5% |
| 181 | 20% |
| 1870 | 8% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1994 | 15% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 761 | 5% |
| 853 | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1417 | 19% |
| 2098 | 5% |
| 624 | 15% |
| 632 | 5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1019 | 20% |
| 1022 | 20% |
| 1339 | 20% |
| 1374 | 20% |
| 1414 | 5% |
| 1416 | 17.5% |
| 155 | 20% |
| 1686 | 15% |
| 1810 | 15% |
| 2007 | 17.5% |
| 2050 | 20% |
| 398 | 20% |
| 657 | 17.5% |
| 668 | 15% |
Securus Insurance Ltd
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1592 | 10% |
| 1646 | 10% |
| 1647 | 10% |
| 1648 | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 173 | 10% |
| 176 | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1525 | 15% |
| 235 | 10% |
| 726 | 10% |
| 727 | 10% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1426 | 10% |
| 988 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1070 | 10% |
| 1163 | 10% |
| 1203 | 15% |
| 1403 | 15% |
| 1510 | 15% |
| 172 | 12.5% |
| 1726 | 10% |
| 2139 | 10% |
| 2142 | 10% |
| 2143 | 15% |
| 334 | 16% |
| 354 | - |
| 559 | 15% |
| 560 | 10% |
| 63 | 15% |
| 671 | 16% |
| 902 | 12.5% |
Standard Life International dac
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| 1943 | 5% | 0.5% |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| 1878 | 3% | 0.25% | 3% |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1838 | 5% | 5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1519 | 3.5% | 0.25% |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1039 | 3.5% | 0.25% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| 1832 | 3% | 0.25% | 3% |
| 1937 | 3.5% | 0.25% | - |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 86 | 3.5% | 0.25% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 53 | 3% |
Tasker & Partners Ltd (JRP)
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 239 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 195 | 10% |
| 2054 | 10% |
Tokio Marine HCC - International Group
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1593 | 25% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 577 | 25% |
Travelers Insurance Co Ltd
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1541 | 15% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1204 | 10% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1141 | 25% |
| 1769 | 15% |
| 1796 | 15% |
| 221 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1020 | 15% |
| 1304 | 5% |
| 1328 | 15% |
| 1354 | 17.5% |
| 1674 | 15% |
| 315 | 15% |
| 396 | 15% |
| 574 | 17.5% |
| 64 | 15% |
| 800 | 25% |
| 833 | 20% |
Specialist Risk Europe Ltd t/a The Underwriting Exchange, MX Underwriting & LIME
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1617 | 10% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 471 | 12.5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1094 | 12.5% |
| 1577 | 10% |
| 1733 | 12.5% |
| 1775 | 10% |
| 228 | 10% |
| 638 | 10% |
| 736 | 10% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1310 | 7.5% |
| 185 | 10% |
| 2030 | 10% |
| 320 | 12.5% |
| 401 | 10% |
| 418 | 10% |
| 77 | 10% |
Willis Towers Watson Insurances (Ireland) Limited t/a Willis Towers Watson
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission € | Commission % |
|---|---|---|
| 98 | €5 | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission € | Commission % |
|---|---|---|
| 1340 | - | 14% |
| 1927 | €7 | 7% |
| 1929 | - | 7% |
| 2072 | €15 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission € | Commission % |
|---|---|---|
| 1035 | - | 10% |
| 1305 | - | 7.85% |
| 1352 | - | 15% |
| 1353 | - | 5% |
| 1409 | €15 | 15% |
| 1697 | - | 17.5% |
| 1741 | €17.5 | 17.5% |
| 1928 | €5 | 5% |
| 1930 | - | 5% |
| 1931 | - | 15% |
| 1932 | €15 | 15% |
| 2055 | - | 10% |
| 2071 | €10 | 10% |
| 397 | - | 11.5% |
| 437 | - | 10% |
| 75 | - | 17.5% |
| 798 | - | 10% |
| 835 | €15 | 15% |
| 836 | €5 | 5% |
| 837 | €5 | 5% |
| 869 | - | 10% |
| 95 | €5 | 5% |
| 96 | €5 | 5% |
| 97 | €5 | 5% |
Wrightway Underwriting Ltd.
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1546 | 10% |
| 2145 | 5% |
Other
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 614 | 12% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 164 | 15% |
| 1787 | 12% |
| 206 | 8% |
| 507 | 12% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 958 | 17.5% |
| 991 | 17.5% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 10 | 15% |
| 1031 | 5% |
| 1168 | 5% |
| 1309 | 5% |
| 1848 | 17.5% |
| 2057 | 15% |
| 2086 | 5% |
| 662 | 10.5% |
| 7 | 12% |
| 886 | 5% |
| 891 | 5% |
Zurich Insurance Europe AG
Travel Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 52 | 15% |
| 865 | 6% |
Professional Indemnity
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1613 | 5% |
| 2158 | 15% |
Personal Motor
Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)
| Product | Commission % |
|---|---|
| 1553 | 7.5% |
Personal Accident Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1485 | 5% |
Liability
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 642 | 15% |
Home and Contents Insurance
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 125 | 15% |
| 917 | 17.5% |
| 930 | 22% |
| 979 | 6% |
| 994 | 15% |
Commercial
Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).
| Product | Commission % |
|---|---|
| 1018 | 15% |
| 1079 | 15% |
| 1181 | 20% |
| 130 | 15% |
| 1356 | 15% |
| 1373 | 15% |
| 1394 | 5% |
| 1411 | 5% |
| 1533 | 5% |
| 1968 | 5% |
| 2068 | 17.5% |
| 2128 | 10% |
| 262 | 5% |
| 265 | 15% |
| 40 | 15% |
| 417 | 12% |
| 442 | 15% |
| 451 | 20% |
| 467 | 5% |
| 505 | 5% |
| 578 | 20% |
| 618 | 7.5% |
| 68 | 20% |
| 686 | 15% |
| 69 | 5% |
| 690 | 5% |
| 693 | 15% |
| 747 | 12.5% |
| 760 | 15% |
| 785 | 15% |
| 810 | 5% |
| 899 | 10% |
Zurich Life Assurance plc
Whole of Life Protection
The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Clawback Period (Months) |
|---|---|---|
| 2155 | 90% | 12 |
Term Life Protection
A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Clawback Period (Months) |
|---|---|---|
| 2028 | 140% | 12 |
Single Premium PRSA
| Product | Initial % | Recurring % |
|---|---|---|
| 1944 | 5% | 0.75% |
Specified Illness
A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Clawback Period (Months) |
|---|---|---|
| 1981 | 140% | 12 |
Savings
The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1879 | 3% | 3% |
Pension Term
A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Clawback Period (Months) |
|---|---|---|---|
| 1449 | 100% | 12% | 12 |
Personal Retirement Savings Account RP (PRSA)
A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Renewal |
|---|---|---|
| 1839 | 10% | 5% |
Personal Retirement Bond (PRB)
The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1520 | 3.5% | 0.25% |
Mortgage Protection
A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Clawback Period (Months) |
|---|---|---|
| 1266 | 180% | 12 |
Investment
An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 1040 | 3.5% | 0.25% |
Group Life Protection
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 859 | 6% | 6% |
Group Income Protection
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 855 | 12.5% | 12.5% |
Defined Contribution Pension
A Defined Contribution Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % | Renewal |
|---|---|---|---|
| 1833 | 3% | 0.25% | 3% |
| 1938 | 3.5% | 0.25% | - |
Approved Retirement Fund (ARF)
An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % | Recurring Commission % |
|---|---|---|
| 87 | 3.5% | 0.25% |
Annuity
The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.
| Product | Initial % |
|---|---|
| 57 | 3% |
