Term Assurance, Critical/Serious Illness, Family Income Benefit

4 Year Terms	NON- INDEMNITY
Provider	Earnings Period	Gross API %	Net API* %
AIG	4	263.20	255.30
Aviva	4	257.81	250.08
Guardian	4	241.00	233.77
HSBC Life	4	255.00	247.35
Legal & General	4	223.00	216.31
LV=	4	259.00	251.23
LV= PSP Products	4	222.00	215.34
Royal London	4	259.00	253.17
Scottish Widows	4	256.20	249.80
The Exeter	4	168	1562.96
VitalityLife	4	249.20	241.72
Zurich	4	243.00	236.93
2 Year Terms	NON- INDEMNITY
Provider	Earnings Period	Gross API %	Net API* %
National Friendly (Over 50's)	2	160.00	155.20
Royal London	2	200.60	194.58
Zurich	2	168.00	163.80

Income Protection - 4 Year Terms

4 Year Terms	NON-INDEMNITY
Provider	Earnings Period	Gross API %	Net API* %
AIG	4	263.20	255.30
Aviva	4	254.04	246.41
Guardian	4	241.00	233.77
Holloway Friendly	4	195.00	189.15
Legal & General	4	228.00	221.16
LV=	4	259.00	251.23
Royal London	4	245.00	237.65
Royal London	2	200.60	194.58
The Exeter	4	241.50	234.26
Vitality	4	249.20	241.72
Zurich	4	243.00	236.93

Income Protection - 3 Year Terms

2 Year Terms	NON-INDEMNITY
Provider	Earnings Period	Gross API %	Net API* %
Cirencester Friendly - My Earnings Protected (Level)	3	183.75	178.24
Cirencester Friendly - My Earnings Protected (Escalating Premiums)	3	221.55	214.90
Cirencester Friendly - Income Assured Enhanced (Escalating Premiums)	3	221.55	214.90

Income Protection - 2 Year Terms

2 Year Terms	NON-INDEMNITY
Provider	Earnings Period	Gross API %	Net API* %
Holloway Friendly	2	175.00	169.75
National Friendly	2	200.00	194.00
National Friendly (Accident Only)	2	200.00	194.00
Royal London	2	200.60	194.58
Zurich	2	175.00	170.63

Net commissions vary between a 1% and 3% retention and are designed to be market leading for Paradigm firms.

In some instances Paradigm may take a lower commission split where existing terms linked to Paradigm mean that a high commission split would result in lower commission payable.
Paradigm can not be held responsible for holding incorrect information if Providers do not supply the correct commission terms to us or make us aware of any relevant changes.