Our Charges

We, M G Anderson Insurances Ltd act as intermediary (Broker) between you, the consumer, and the product provider with whom we place your business.

The background

Pursuant to provision 4.58A of the Central Bank of Ireland's September 2019 Addendum to the Consumer Protection Code, 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.

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/amount borrowed. 
Trail/Renewal commission model:Further payments at intervals are paid throughout the life span of the product.
Indemnity commissionIndemnity 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, retail 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), fund based or trail relating to 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 increments may be based on a percentage of the value of the fund or the annual premium. For a single premium/lump sum product, the increment 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 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).

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, admin fee, or in the case of investment firms, advisory fees. Include arrangements etc

Please Note

The enclosed commission guidance section gives indicative values across every product provider and every product advised whereby a commission or fee is received within our business. This is the maximum our Brokerage will take and is subject to change, in certain cases our Brokerage may take 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.

Other Fees, Administrative Costs/ 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.

AIG Europe S.A


Travel Insurance

ProductInitial %
PA/Travel20%
Travel25%

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)

ProductInitial %
PI17.5%
PI Rapidcover25%
Professional Indemnity5%
Professional Indemnity15%
Professional Indemnity15%
Professional Indemnity10%
Professional Indemnity18%
Trailer25%

Personal Accident Insurance

ProductInitial %
Personal Accident20%

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)

ProductInitial €Initial %
Car Hire Excess-25%
Classic Car Scheme-8%
Classic Car Scheme-10%
Limited Mileage-10%
MG Owners Scheme-8%
Morris Minor-10%
Motor Cycle-10%
Multi Vehicle-8%
Multi Vehicle-6%
Private Car-10%

Other

ProductInitial €Initial %
Agricultural Vehicle-5%
Computer-15%
Contractors Works-15%
Cyber-20%
Cyber Rapidcover-25%
Directors and Officers-15%
Driving Testers-10%
Engineering Insurance Inpection-15%
Excess-10%
Glass-15%
Goods in Transit-18%
Horses-15%
Instructor Vehicle-10%
Livestock-15%
Marine-20%
Money-15%
Terrorism-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).

ProductInitial %
Cyber Liability20%
D&O, Crime, PTL, EPL, Entity17.5%
D&O, Crime, PTL, EPL, Entity Rapidcover (Bus Guard)20%
Directors and Officers20%
EL6%
Employers Liability6%
Environmental Liability18%
Excess Liability10%
PL10%
PL Rapidcover20%
Products Liability10%
Public Liability10%
Sports Liability12%
Transit Liability12%

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).

ProductInitial %
Claim15%
Fire Schedule12%
Fire/Perils12%
Household25%
Household20%
Property15%
Property Damage10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Com Comb Rapidcover-20%--------
Commercial Combined-25%--------
Commercial Combined-15%--------
Commercial Vehicle-6%--------
Commercial Vehicle-10%--------
Driving Instruction-10%--------
Driving Instruction-8%--------
Excess Rapidcover-25%--------
Fleet Insurance-5%--------
Loss of Profits-12%--------
Motor Contingency-15%--------
Motor Traders-5%--------
Multi Risk-5%--------
Office Rapidcover-20%--------
Prop Own Rapidcover-20%--------
Shop-15%--------
Shopkeepers-15%--------
Shops Rapidcover-20%--------
Theft-15%--------

Aiken Insurances Limited


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)

ProductInitial €Initial %
Personal Lines-20%

Other

ProductInitial €Initial %
Marine-20%
Other-15%
Surety Bonds-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).

ProductInitial %
Liability & Excess Liability15%

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).

ProductInitial %
Household10%
Property Owners20%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial combined-20%--------
Motor (Incl Fleet/Trade etc.)-20%--------
Tour Operators-20%--------
Unoccupied Properties-20%--------

Allianz Plc.


Travel Insurance

ProductInitial %
Travel25%

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)

ProductInitial %
PFP Professional Indemnity20%
Professional Indemnity15%

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)

ProductInitial €Initial %
Motor Contingency-15%
Motor Contingency-15%
Multi Vehicle-5%
OGR Motor - Own Goods-5%
Private Car-10%

Other

ProductInitial €Initial %
Bond-7.5%
Bond-10%
CMP Computer-15%
Caravan-15%
Computer-15%
Contractors Works-15%
Credit and Guarantee-10%
Engineering Business Interuption-15%
Engineering Insurance Inpection-15%
Goods in Transit-19%
Horses-15%
Internal Risks-15%
Internal Risks-15%
Internal Risks-10%
Livestock-15%
Loss of Profits-12%
Marine-18%
Marine: Small Craft-15%
Money-15%
OFM Office-15%
REN Engineering-15%
Religious Protection-10%
Special Types-5%
Sports Policy Combined-10%
Trailer-25%

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).

ProductInitial %
CGL Cargo Liability19%
Employers Liability6%
LIA Combined Liability - EL6%
LIA Combined Liability - PL10%
LIN Combined Liability NI - EL6%
LIN Combined Liability NI - PL10%
Products Liability10%
Public Liability10%
Sports Liability12%
Transit Liability18%

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).

ProductInitial %
Accidental Damage10%
Fire Only15%
Fire Schedule12%
Fire/Perils15%
Glass15%
Holiday Home15%
Household15%
Theft15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Agricultural Vehicle-0.5%--------
Apartment Block-17.5%--------
BMR Business - Commercial Motor-5%--------
Business Interuption-15%--------
CGD Cargo Goods-19%--------
CPR Commercial Construction-6%--------
Combined Traders-15%--------
Commercial Combined-15%--------
Commercial Vehicle-5%--------
Fleet Insurance-5%--------
Hackney-10%--------
Hackney - Limousine-10%--------
MFR Motor - Fleet-5%--------
MTR Motor - Road Risks-5%--------
Motor Traders-5%--------
POP Property Owner-15%--------
PRP Combined Property-15%--------
Property Damage-10%--------
RTM Retail-15%--------
SFR Motor - Small Fleet-5%--------
SHC Shop-15%--------
Shop-15%--------
Shopkeepers-15%--------
Taxi-10%--------

Aon Insurance Markets Ireland


Other

ProductInitial €Initial %
Aviation-10%
Marine-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).

ProductInitial %
Combined Liability11%
Excess Liability10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Multi Risk-7.5%--------

Arachas


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)

ProductInitial %
Professional Indemnity12.5%

Other

ProductInitial €Initial %
Cleaning Contractor-12%
Oil Distributors-8%
Recruitment Consultants and Security Contractors-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).

ProductInitial %
Construction Liability10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Petrol Stations-7.5%--------
Property Owners-15%--------

Arachas Corporate Brokers


Travel Insurance

ProductInitial %
Travel25%

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)

ProductInitial €Initial %
Motor Damage-10%

Other

ProductInitial €Initial %
Trailer-25%

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).

ProductInitial %
Public Liability15%

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).

ProductInitial %
Caravan15%
Caravan10%
Holiday Home10%
Household15%
Mobile Home10%
Mobile Home15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial Combined-15%--------
Multi Risk-5%--------

ARB Underwriting Ltd.


Personal Accident Insurance

ProductInitial %
Personal Accident20%

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)

ProductInitial €Initial %
Private Car-10%

Other

ProductInitial €Initial %
JRP MD/BI only policies-15%
JRP POL-15%
Surestone MTIR policies-10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
AIG apartment blocks-12.5%--------
Commercial Combined-15%--------
Commercial Vehicle-7.5%--------
Hackney-5%--------
Property Owners-10%--------
Shopkeepers-15%--------
Taxi-15%--------

Aviva Group Ire. Plc. (Value)


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)

ProductInitial €Initial %
Private Car-7.5%

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)

ProductInitial %
Professional Indemnity15%
Professional Indemnity15%

Personal Accident Insurance

ProductInitial %
Personal Accident20%

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)

ProductInitial €Initial %
Caravan-15%
Fleet Insurance-5%
Motor Contingency-15%
Motor Cycle-5%
Multi Vehicle-5%
Private Car-7.5%

Other

ProductInitial €Initial %
Agricultural Vehicle-5%
Bond-10%
Computer-15%
Contractors Works-15%
Engineering Business Interuption-15%
Engineering Insurance Inpection-15%
Fidelity Guarantee-15%
Fire Schedule-12%
Goods in Transit-18%
Horses-15%
Internal Risks-10%
Livestock-15%
Loss of Profits-12%
Marine-18%
Marine: Small Craft-15%
Money-15%
Special Types-5%
Theft-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).

ProductInitial %
Combined Liability10%
Combined Liability9%
Employers Liability6%
Products Liability10%
Public Liability10%
Sports Liability12%
Transit Liability18%
Transit Liability12%
Warehouse Liability10%

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).

ProductInitial %
Household15%
Property Damage10%
Property Owners10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
All Risks-10%--------
All Risks-15%--------
Bakery Motor Scheme-5%--------
Claims Management-10%--------
Commercial Combined-15%--------
Commercial Vehicle-10%--------
Farmers Combined-15%--------
Fire/Perils-15%--------
Glass-15%--------
I.D.A. Motor Scheme-5%--------
Milk Agents Motor-5%--------
Motor Traders-5%--------
Multi Risk-5%--------
Office Combined-15%--------
R.I.A.I. Motor Scheme-5%--------
R.I.A.I. Motor Scheme-5%--------
Shop-15%--------
Shopkeepers-15%--------
Traders Combined-15%--------

Aviva Life & Pensions Ireland DAC


Term Life Protection

A Term Life Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Term Protection150%25%100%100%---

Specified Illness

A Specified Illness Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Specified150%25%100%100%---

Savings

A Savings Product typically provides for an Initial (upfront) Commission as outlined below. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Savings15%1%3%-----

Personal Retirement Savings Account

A Personal Retirement Savings Account or PRSA typically provides for an Initial (upfront) Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client to allow for a provide a Fund Based/Recurring commission/fee that’s based on the performance of the fund the client is invested in, again with certain restrictions. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRSA22.5%0.5%2%-5%3%2%1%

Personal Retirement Bond

The Pension Retirement Bond typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Fund Based %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRB5.25%1%--5%3%2%1%

Mortgage Protection

A Mortgage Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Mortgage Protection150%25%100%100%---

Income Protection

An Income Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Income Protection200%10%100%100%---

Investments

An Investment Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Investments5.25%1%--5%3%2%1%

Defined Contributions

A Defined Contribution Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Regular Premium pension15%1%--5%3%2%1%
Single premium pension5.25%1%--5%3%2%1%

Approved Retirement Fund

An ARF Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Fund Based %Trail %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
ARF5.25%-1%5%3%2%1%

AXA Insurance dac


Travel Insurance

ProductInitial %
Travel25%

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)

ProductInitial %
Professional Indemnity15%

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)

ProductInitial €Initial %
Car-8%
Caravan-15%
Fleet Insurance-10%
Fleet Insurance-5%
Morris Minor-5%
Motor Contingency-15%
Multi Vehicle-5%
Private Car-8%
Van-5%

Other

ProductInitial €Initial %
Computer-15%
Contractors Works-15%
Engineering Business Interuption-15%
Engineering Insurance Inpection-15%
Fire Schedule-12%
Goods in Transit-18%
Horses-15%
Livestock-15%
Loss of Profits-12%
Money-15%
Special Types-5%
Taxi-15%
Theft-15%
Trailer-25%

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).

ProductInitial %
Employers Liability6%
Liability15%
Liability15%
Products Liability10%
Public Liability10%
Sports Liability12%
Transit Liability12%

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).

ProductInitial %
Holiday Home20%
House20%
Household20%
Household25%
Property Damage10%
Property Owners10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Apartment Block Insurance-10%--------
Commercial Combined-20%--------
Commercial Vehicle-5%--------
Commercial Vehicle-8%--------
Fire/Perils-12%--------
Glass-15%--------
Guest House-10%--------
Hackney-5%--------
Hackney-15%--------
I.D.A. Motor Scheme-8%--------
Motor Traders-5%--------
Multi Risk-5%--------
Office Combined-15%--------
R.I.A.I. Motor Scheme-8%--------
Shop/Office/Surgery-20%--------
Shopkeepers-15%--------
Shopkeepers-20%--------

Benchmark 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)

ProductInitial %
Professional Indemnity20%

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).

ProductInitial %
Holiday Home15%
Household15%
Property Owners20%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial Combined-20%--------

Citynet 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).

ProductInitial %
Combined Liability10%
Employers Liability7.5%
Public Liability12.5%

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).

ProductInitial %
Property Damage12.5%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
All types-10%--------

Cover Centre Insurance Ltd.


Other

ProductInitial €Initial %
Kidd Endeavour-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).

ProductInitial %
Homeshield Rental15%
Kidd Holiday Home10%
Kidd Homeworker15%
Kidd Mobile Home Fixed Site10%
Kidd Touring Caravan10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Apartment Landlord-15%--------
Apartment Owner Occupied-15%--------
Kidd Non-standard Construction-10%--------
Kidd Unoccupied-10%--------
Kiddsure Select-15%--------
Light Commercial Vehicle-10%--------

Dolmen Insurance Brokers 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).

ProductInitial %
Holiday Home15%
Household15%

Frost Insurances 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).

ProductInitial %
Self Build Policy15%

Hickey Clarke & Langan 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).

ProductInitial %
Household10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
All policy types-10%--------

Irish Life Assurance plc


Whole of Life Protection

The Whole of Life Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Whole of Life100%0.15%100%100%100%100%100%

Term Life Protection

A Term Life Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Term Protection100%0.15%100%100%100%100%100%

Specified Illness

A Specified Illness Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Specified100%0.15%100%100%100%100%100%

Savings

A Savings Product typically provides for an Initial (upfront) Commission as outlined below. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Savings5.5%0.5%16.5%-5%3%2%1%

Personal Retirement Savings Account

A Personal Retirement Savings Account or PRSA typically provides for an Initial (upfront) Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client to allow for a provide a Fund Based/Recurring commission/fee that’s based on the performance of the fund the client is invested in, again with certain restrictions. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRSA5%--1%5%3%2%1%

Personal Retirement Bond

The Pension Retirement Bond typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Fund Based %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRB5%0.75%--5%3%2%1%

Mortgage Protection

A Mortgage Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Mortgage Protection100%0.15%100%100%100%100%100%

Income Protection

An Income Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Income Protection120%0.06%100%100%---

Investments

An Investment Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Investments5%--1%5%3%2%1%

Defined Contributions

A Defined Contribution Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Regular Premium pension17.5%0.5%17.5%-5%3%2%1%
Single premium pension5%0.75%------

Approved Retirement Fund

An ARF Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Fund Based %Trail %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
ARF5%1%-5%3%2%1%

ITC


Investments

An Investment Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Investments--------

KennCo Underwriting Ltd


Travel Insurance

ProductInitial %
Travel15%

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)

ProductInitial €Initial %
Motor Policies-15%
Private Car-7.5%
Private Motor Choice-5%
Private Motor Unique-5%

Other

ProductInitial €Initial %
Taxi-7.5%

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).

ProductInitial %
Combined Liability15%

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).

ProductInitial %
Home - Choice15%
Home - Rental15%
Home - Unique15%
Household Policies15%
Property Owners15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial Combined-15%--------
Commercial Motor Choice-5%--------
Commercial Policies-15%--------
Commercial Vehicle-7.5%--------
Hackney-7.5%--------
Motor Trade Policies-10%--------

Liberty Seguros


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)

ProductInitial €Initial %
Fleet Insurance-8%
Private Car-8%
Private Car-8%

Other

ProductInitial €Initial %
Nursing Home Combined-17.5%
Taxi-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).

ProductInitial %
Household20%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial Combined-15%--------
Commercial Vehicle-8%--------
Hackney-5%--------

M.I.S Ltd


Travel Insurance

ProductInitial %
Travel25%

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)

ProductInitial €Initial %
MOTOR EXCESS=€15-
Motor Extra Benefits-45%

Other

ProductInitial €Initial %
Key – Dependent on price =€18-
Legal Expenses-45%
Legal Expenses-45%
Rent Guarantee €25 policy€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).

ProductInitial %
ROI Owner Occupied20%
ROI Residential Let25%

New Ireland Assurance Company plc


Term Life Protection

A Term Life Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Term Protection225%50%100%100%---

Specified Illness

A Specified Illness Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Specified225%50%100%100%---

Savings

A Savings Product typically provides for an Initial (upfront) Commission as outlined below. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Savings10%--0.25%5%5%3%1%

Personal Retirement Savings Account

A Personal Retirement Savings Account or PRSA typically provides for an Initial (upfront) Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client to allow for a provide a Fund Based/Recurring commission/fee that’s based on the performance of the fund the client is invested in, again with certain restrictions. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRSA7%0.5%--5%5%3%1%

Personal Retirement Bond

The Pension Retirement Bond typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Fund Based %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRB5%-0.5%-5%5%3%1%

Mortgage Protection

A Mortgage Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Mortgage Protection225%50%100%100%---

Income Protection

An Income Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Income Protection225%50%100%100%---

Investments

An Investment Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Investments10%0.5%2.5%-5%3%2%1%

Defined Contributions

A Defined Contribution Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Regular Premium pension25%1%8%-5%5%3%1%
Single premium pension5%1%--5%5%3%1%

Approved Retirement Fund

An ARF Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Fund Based %Trail %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
ARF5%-1%----

OBF Insurance Group 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).

ProductInitial %
Holiday Home12%
Household12%
Mobile Home12%

Optis Insurances 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)

ProductInitial %
P.I20%

Personal Accident Insurance

ProductInitial %
Personal Accident15%

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)

ProductInitial €Initial %
CAR-15%

Other

ProductInitial €Initial %
B & B-15%
Couriers-12.5%
Goods in Transit-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).

ProductInitial %
Combined Liability15%
ELPL15%

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).

ProductInitial %
Property Owner17.5%
Self Build15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial Combined-15%--------
Office-15%--------
Pub/Restaurant-15%--------
Real Estate-17.5%--------
Shop-15%--------
Shopkeepers-15%--------

Patrona 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)

ProductInitial €Initial %
Fleet-7.5%
Fleet Risk Fix-5%
Flexi Fleet-7.5%
Non-standard Car-5%
Non-standard Van-5%
Private Car-7.5%

Other

ProductInitial €Initial %
Construction HGV – Gefion-7.5%
Contractors All Risks-15%
Contractors Plant All Risks-15%
Courier-7.5%
Courier - AXA-5%
Engineering & Inspection-15%
Equestrian Property-7.5%
Horse Lorry – Axa-5%
Horsebox - AXA-5%
Horsebox Lorry – Gefion-7.5%
Horses--
Special Types-5%
Special Types – Axa-5%
Special Types – Gefion-7.5%
Taxi-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).

ProductInitial %
Carriers Liability10%
Combined Liability10%
Contractors Liability15%
Equestrian Liability7.5%
Public Liability5%

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).

ProductInitial %
Holiday Home15%
Household15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
ADF&T-10%--------
AXA Haulage-5%--------
Commercial Combined – MGAM-15%--------
Commercial Combined- Gefion-15%--------
Commercial Vehicle-7.5%--------
Logistics Combined-15%--------
Logistics Combined - Gefion-15%--------
Logistics Combined – MGAM-15%--------
Logistics HGV - Gefion-7.5%--------
Logistics HGV – AXA-5%--------
Logistics Vehicle-7.5%--------
Own Goods Vehicle-7.5%--------
Rental Fleet-7.5%--------
Single Vehicle Courier – Axa-7.5%--------
Single Vehicle Courier – Gefion-7.5%--------
Standard Haulage-5%--------
Transport Fleet-5%--------

Prestige U/W Serv. (Ire.) 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)

ProductInitial €Initial %
Octane Ireland Motor-8%
Octane Ireland Motor EDI-6%
Prestige Ireland Private Motor-10%
Prestige Personal Portfolio (Home, Motor & New NI Motor)--
Private Car-10%

Other

ProductInitial €Initial %
Contractors Works-15%
Directors and Officers-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).

ProductInitial %
Combined Liability10%
Combined Liability15%
Public Liability10%

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).

ProductInitial %
Holiday Home25%
Household25%
Prestige Homesafe15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Amtrust Property ROI-14%--------
Commercial Combined-15%--------
Commercial Vehicle-8%--------
Prestige Ireland Motor Trade-10%--------
Prestige Ireland Non Standard CV-8%--------
Prestige Manual Product----------
Shopkeepers-15%--------

PTSB


Deposits

ProductInitial %
Deposits0.2%

RSA Insurance Ireland DAC


Travel Insurance

ProductInitial %
Personal Accident/Travel20%
Travel30%

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)

ProductInitial %
Professinal Indemnity22.5%
Professional Indemnity15%
Professional Indemnity10%
Professional Indemnity17.5%

Personal Accident Insurance

ProductInitial %
Personal Accident15%
Personal Accident20%
Sports Person Accident25%

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)

ProductInitial €Initial %
Caravan-15%
Classic Car Scheme-5%
Fleet-10%
Fleet-5%
Fleet Insurance-5%
Fleet Insurance-10%
Limited Mileage-5%
MG Owners Scheme-5%
Morris Minor-5%
Motor Damage-10%
Multi Vehicle-5%

Other

ProductInitial €Initial %
Agricultural Vehicle-5%
Computer-15%
Contractors All Risks-15%
Contractors Works-20%
Crime-20%
Directors and Officers-15%
Engineering-15%
Engineering Business Interuption-15%
Engineering Insurance Inpection-15%
Fidelity Guarantee-20%
Financial Risks-15%
Fire Schedule-15%
Goods in Transit-18.8%
Goods in Transit-20%
Marine-18.8%
Marine-20%
Marine-18%
Marine: Small Craft-15%
Money-15%
Special Types-5%
Sports Property Damage-15%
Taxi-10%
Theft-20%
Theft by Employees-20%
Trailer-25%

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).

ProductInitial %
Carriers Liability20%
Combined Liability9%
Combined Liability10%
Employers Liability6%
Employers Liability6%
Office Liability10%
Public Liability10%
Public Liability10%
Sports Liability17.5%
Transit Liability20%
Transit Liability18%

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).

ProductInitial %
Holiday Home25%
Household25%
Property12.5%
Property12.5%
Property Damage15%
Property Owners15%
R.I.A.I. Home Secure5%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
All Risks-15%--------
Apartments/Block of Flats-15%--------
Barristers Office-22.5%--------
Cargo-20%--------
Combined-15%--------
Commercial Combined-15%--------
Commercial Vehicle-5%--------
Commercial Vehicle Fleet-5%--------
Farmers Combined-15%--------
Fire/Perils-15%--------
Fire/Perils-12.5%--------
Glass-20%--------
I.D.A. Motor Scheme-5%--------
I.H.C.A. Motor Scheme-5%--------
Motor Traders-5%--------
Multi Risk-5%--------
Office-17.5%--------
Office Combined-17.5%--------
Office Combined-15%--------
R.I.A.I. Motor Scheme-5%--------
Shop-15%--------
Shopkeepers-15%--------
Traders-20%--------
Traders-20%--------

Securus Insurance Ltd


Travel Insurance

ProductInitial %
PA/Travel (Chubb)10%

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)

ProductInitial %
Professional Indemnity (AXA XLl)10%
Professional Indemnity (Chubb)10%
Professional Indemnity (Citynet)-

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)

ProductInitial €Initial %
Chubb Masterpiece Motor-5%
HNW Motor - Dual-5%

Other

ProductInitial €Initial %
Clinical Trials (Chubb)-10%
D&O (Chubb)-10%
D&O (HCC)-10%
Engineering (HSB)-10%
Event Cancellation (Chubb)-10%
Marine Cargo (CNA)-10%
POL - Securus - offline-10%
Terrorism Cover (Citynet)--

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).

ProductInitial %
Cyber Liability (Various)10%
Excess Liability (CNA Hardy)10%
Excess Liability (Chubb)10%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial Combined (Chubb)-10%--------
Commercial Combined (Citynet)----------
Kidnap & Ransom (Chubb)-10%--------

Standard Life International dac


Savings

A Savings Product typically provides for an Initial (upfront) Commission as outlined below. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Savings15%-1%1%5%3%2%1%

Personal Retirement Savings Account

A Personal Retirement Savings Account or PRSA typically provides for an Initial (upfront) Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client to allow for a provide a Fund Based/Recurring commission/fee that’s based on the performance of the fund the client is invested in, again with certain restrictions. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRSA5%0.5%5%-----

Personal Retirement Bond

The Pension Retirement Bond typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Fund Based %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRB5%-1%-----

Investments

An Investment Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Investments4%1%0.25%1%----

Defined Contributions

A Defined Contribution Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Regular Premium pension25%1%5%1%5%3%2%1%
Single premium pension5%1%-1%----

Approved Retirement Fund

An ARF Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Fund Based %Trail %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
ARF4%1%-----

Travelers Insurance Co 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)

ProductInitial %
Professional Indemnity15%

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)

ProductInitial €Initial %
Classic Car Scheme-5%
Fleet Insurance-5%
Multi Vehicle-5%
Private Car-10%
Private Motor Vehicle - NB and Rnl-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).

ProductInitial %
Combined Liability9%
Employers Liability6%
Employers Liability (Package)15%
Employers Liability (Stand Alone)6%
Management Liability Package17.5%
Management Liability Package - NB25%
Motor Trade (Property & Liability covers)15%
Public Liability10%
Public Liability (Package)15%
Public Liability (Stand Alone)10%
Technology E&O and Cyber Liabilities20%

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).

ProductInitial %
Property Owners15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Commercial Combined-15%--------
Commercial Vehicle-5%--------
I.H.C.A. Motor Scheme-5%--------
Motor Fleet-5%--------
Motor Trade Road Risks-5%--------
Motor Trade Road Risks - NB-10%--------
Motor Traders-5%--------
Motortrade-10%--------
Multi Risk-5%--------
Property Covers (Package or Stand Alone but excluding Motor Trade)-15%--------
R.I.A.I. Motor Scheme-5%--------

Zurich Insurance Plc.


Travel Insurance

ProductInitial %
Annual Travel Policy15%
Group Personal Accident Travel15%
Personal Accident Travel Pol.15%
Travel25%

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)

ProductInitial %
Professional Indemnity25%
Professional Indemnity15%
ZPI - Professional Indemnity15%

Personal Accident Insurance

ProductInitial %
Group Personal Accident Policy15%
Personal Accident20%
Personal Accident Policy15%
Personal Accident Road & Rail15%

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)

ProductInitial €Initial %
Caravan-15%
Combined Caravan/Mobile Home-15%
Fleet Insurance-5%
Motor Damage-10%
Multi Vehicle-5%
Private Car-7.5%

Other

ProductInitial €Initial %
Computer-15%
Computer "All Risks" Policy-15%
Contractors "All Risks" Policy-15%
Contractors Works-12.5%
Contractors Works-15%
Cyber Policy-20%
ENP- Engineering-15%
Engineering Insurance Inpection-15%
Engineering Policy-20%
Fidelity Guarantee-12.5%
Fidelity Policy-15%
Fire Schedule-12.5%
Goods in Transit-18%
Internal Risks-10%
Legal Expenses-25%
Legal Expenses-15%
Marine-20%
Marine Policy-17.5%
Marine: Small Craft-15%
Miscellaneous Bonds Policy-15%
Nursing Home Combined-15%
Small Craft/ Yacht Policy-15%
Special Types-5%
Trailer-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).

ProductInitial %
Combined Liability10%
Employers Liability6%
Public Liability10%
Transit Liability18%

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).

ProductInitial %
Broker Household15%
Broker Household DA20%
Holiday Home15%
Household15%
Household15%
Household DA15%
Private Dwelling House Policy15%
Property Owners15%
Tradestar Property Owners15%
Tradestar-Property Owners15%

Commercial

ProductInitial €Initial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Accidental Damage-12.5%--------
All Risks-15%--------
Apartment Block Insurance-10%--------
Apartment Block Policy-15%--------
Building in the Course of Erection-15%--------
Combined Property Policy-15%--------
Combined Property Policy-12.5%--------
Commercial Combined-15%--------
Commercial Combined (U.K.) Pol-15%--------
Commercial Liability Policy-10%--------
Commercial Motor Vehicle-6.5%--------
Commercial Vehicle-7.5%--------
Commercial Vehicle-5%--------
Farm Fire Policy-12.5%--------
Farm Policy-12.5%--------
Fire/Perils-15%--------
Fire/Perils-12.5%--------
Fleet Motor Vehicle-5%--------
Guest House "All In" Policy-15%--------
Hackney-5%--------
I.D.A. Motor Scheme-5%--------
I.H.C.A. Motor Scheme-5%--------
MRP - Marine-15%--------
Mini Fleet Vehicle-5%--------
Motor Traders-5%--------
Motor Traders Combined-5%--------
Motor Traders Internal Policy-10%--------
Multi Risk-5%--------
Office Combined-15%--------
Office Policy-15%--------
Private "All Risks" Policy-15%--------
R.I.A.I. Motor Scheme-5%--------
Residential Care Home Policy-15%--------
Shop-15%--------
Shopkeepers-15%--------
Shops Policy-15%--------
Tradestar Office-15%--------
Tradestar Shop-15%--------

Zurich Life


Whole of Life Protection

The Whole of Life Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Whole of Life90%18%100%100%---

Term Life Protection

A Term Life Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Term Protection100%12%100%100%---

Specified Illness

A Specified Illness Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Specified100%12%100%100%---

Savings

A Savings Product typically provides for an Initial (upfront) Commission as outlined below. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Savings10%0.005%1%-5%3%2%1%

Personal Retirement Savings Account

A Personal Retirement Savings Account or PRSA typically provides for an Initial (upfront) Commission as outlined below with certain restrictions around PRSA’s. Brokerages may also agree with a client to allow for a provide a Fund Based/Recurring commission/fee that’s based on the performance of the fund the client is invested in, again with certain restrictions. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRSA15%0.5%5%-5%5%3%1%

Personal Retirement Bond

The Pension Retirement Bond typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Fund Based %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
PRB5%0.5%--5%5%3%1%

Mortgage Protection

A Mortgage Protection Product provides for an initial upfront 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.

ProductInitial %Renewal %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4Clawback Yr. 5
Mortgage Protection140%40%100%100%---

Investments

An Investment Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that’s based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Investments5%0.5%0.5%0.5%----

Defined Contributions

A Defined Contribution Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Trail %Renewal %Fund Based %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
Regular Premium pension15%0.5%3%-5%3%2%1%
Single premium pension15%0.5%------

Approved Retirement Fund

An ARF Product typically provides for an Initial (upfront) Commission as outlined below. Brokerages may also agree with a client to allow for a provide a Fund Based/recurring commission/fee that's based on the performance of the fund the client is invested in. 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.

ProductInitial %Fund Based %Trail %Clawback Yr. 1Clawback Yr. 2Clawback Yr. 3Clawback Yr. 4
ARF5%-0.5%5%5%3%1%