1. Executive Summary

A. Report Objectives

B. Methodology

C. Key Findings

2. Detailed Carrier Findings

A. Commissions

1. Number of Commission Schedules

2. Percent of Commissions Paid at High and Low Levels

3. Heaped vs. Level Commissions

4. Term Life Commissions

5. Universal Life Commissions

6. Whole Life Commissions

7. Short-Term Disability Commissions

8. Long-Term Disability Commissions

9. Accident Commissions

10. Cancer Commissions

11. Critical Illness Commissions

12. Hospital Indemnity/Supplemental Medical Commissions

13. Dental Commissions

14. Vision Commissions

15. Other Commissions

16. First-Year Rates for Subsequent Years

17. Commission Splits

18. Modified or Reduced Commissions

19. Commission Differences with Carrier Enrollment Support

20. Commission Differences by Type of Enrollment

21. Commission Differences When Technology Fees are Paid

22. Commission Differences for Takeover

23. Benchmarks Used for Commissions

B. Vesting

1. Vesting of Commissions

2. Renewals for Non-Vested Producers

3. Broker of Record Letters

C. Advances

1. Advance Practices

2. Percent of Brokers Using Advances

3. Timing of Advances

4. Interest Charged on Debit Balances

5. Advance Recapture and Percent of Advances Recaptured

6. Impact of Persistency on Advances

D. Bonuses and Other Compensation

1. Bonuses

2. Qualifications for Bonuses

3. Contests, Conferences, and Trips

4. Licensing and Appointment Fees

5. Other Compensation

E. Payment Procedures and Reporting

1. Payment Frequency

2. Payment Types

3. Reporting Options/Services

4. Types of Commission Statements

F. Compensation Changes and Future Trends

1. Changes to Compensation System/Structure

2. Future Compensation Changes

3. Desired Compensation Changes

3. Commission Schedules by Company