Since our launch in 2014, Paradigm Protect has become the most comprehensive Protection and General Insurance offering to directly authorised firms. Paradigm Protect has one panel which is whole of market. Our panel has non-loaded commission terms meaning that your clients will not pay higher premiums in order for you to earn more commission. We have worked hard to ensure that the net commission terms payable are market leading.

Term Assurance, Critical/Serious Illness, Family Income Benefit

4 Year Terms		INDEMNITY		NON- INDEMNITY
Provider	Earnings Period	Gross API %	Net API* %	Gross API %	Net API* %
AIG Life	4	210.30	203.99	263.20	255.30
Aviva	4	206.00	199.82	257.81	250.08
Guardian	4	205.00	198.85	241.00	233.77
HSBC Life3	4	210.00	203.70	255.00	247.35
Legal & General	4	203.00	196.91	223.00	216.31
LV=	4	207.00	200.79	259.00	251.23
One Family (over 50's)	4	140.00	135.8	N/A	N/A
Royal London1	4	206.95	202.29	259.00	253.17
Scottish Widows2	4	204.72	199.6	256.20	249.80
The Exeter (Real Life)	4	160.00	155.20	168	162.96
VitalityLife	4	210.00	203.70	249.20	241.72
Zurich2	4	205.00	199.88	243.00	236.93

2 Year Terms		INDEMNITY		NON-INDEMNITY
Provider	Earnings Period	Gross API %	Net API* %	Gross API %	Net API* %
AIG	2	175.60	170.33	N/A	N/A
Aviva	2	184.00	178.48	N/A	N/A
LV=	2	184.6	179.06	N/A	N/A
National Friendly (Over 50's)	2	150.00	145.50	160.00	155.20
Royal London	2	179.33	173.95	200.60	194.58
Zurich2	2	161.00	156.98	175.00	170.63

MetLife		INDEMNITY
	Earnings Period	Gross API %	Net API %	Renewal
MortgageSafe	4	190	190	5%
EverydayProtect	2	100	100	10%

¹ Paradigm will apply a 2.25% commission split on Royal London 4-year gross commission terms (compared to the normal 3%). This is in order to maintain our commitment to offering you market leading net terms. *Paradigm will take a 3% commission split of the gross API. This percentage is shown via the net terms (the 97% you will receive).

² Paradigm will apply a 2.5% commission split on Scottish Widows and Zurich's gross commission terms (compared to the normal 3%). This is in order to maintain our commitment to offering you market leading net terms. 

³ Renewal commission not available after 48 months.

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.