2 Year Clawback Providers   Online Paper   Indemnity Non- Indemnity Indemnity Non- Indemnity Bright Grey 180.91 202.37 170.57 190.8 BUPA 180.88 n/a 169.92 n/a Fortis 164.64 n/a n/a n/a Legal & General 175.41 n/a 164.45 n/a Liverpool Victoria 149.09 n/a 138.13 n/a PruProtect 173.46 n/a n/a n/a Scottish Provident 172.48 193.11 162.31 181.55 Zurich 155.82* 169.54 n/a n/a           4 Year Clawback Providers   Online Paper AEGON 180.81 226.38 169.92 212.66 Axa 180.81 226.38 169.92 212.66 Aviva 185.19 219.52 173.46 205.8 Bright Grey 191.84 240.1 180.88 226.38 Bupa 197.33 224.21 186.36 230.49 Friends Provident 185.15 219.52 179.24 205.8 Fortis 180.88 n/a n/a n/a Legal & General n/a 233.24 n/a 219.52 Liverpool Victoria 175.4 219.52 164.44 205.8 PruProtect 190.8 226.38 179.24 212.66 Scottish Provident 183.13 229.12 172.16 215.4 Zurich 191.1 226.38 179.34 212.66           The rates shown above are % of annual premium and are what you should receive direct from the provider, if you sell a standard life or critical illness plan with a term of 12 yrs or more.                                                                                 If your plan is under 12 years or is another product such as Income Protection or Whole or Life please refer to the providers illustration for the gross commission and you will be paid 98% of this figure.                           Non-indemnity can be selected on the providers online system when you submit your case.                                                                                                                         *Two years is not available to everyone. If you require 2 year agencies please contact your Zurich sales consultant who will access your business case.           Last updated Feb 2010

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