Immediate Annuity commissions for licensed insurance agents only.

   

Immediate annuity "SPIA" commission:

Standard commission: Request a quote here!

  • Almost all Lifetime and period certain SPIA's pay a one time upfront commission
  • Most SPIA's pay a reasonable 3.00% agent level commission & an override of up to 1.00% (4.00% total)
  • The commissions are built into the illustration pricing of a SPIA
  • Most carriers require or allow direct deposit of the commission
  • Large premium case bonuses are available from FSD
  • Standard commission can range from 0.50% to 5.00% based on carrier

Reduced commission:

  • Short term period certain often have a reduced commission (under 10 years for example)
  • Some carrier will reduce commission based on age of client. (Older ages 80+ may have lower commission)
  • Some carrier will reduce commission on premiums over a certain amount. ($1,000,000 for example)
  • Some carriers may not pay commission on the premium tax portion of deposit. (2.35% of NQ premium in CA for example)
  • On Qualified funds a carrier may allow the agency to dial in commission from 0.00% to 6.00%

Non-Commission SPIA or NO LOAD Immediate Annuities

  • No Load SPIA do not always provide the highest income
  • Fee Based Advisors can use a NO LOAD SPIA in their practice
  • Use to fund life insurance to try and maximize death benefit

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