IFAC Panel Rates


PANEL COMISSION TERMS

Company
Term
4 YEAR API %2 YEAR API %NON-INDEMNITY API %
AVIVA
Term Assurance
215%
178%
265%
Income Protection
215%
178%
N/A
AIG
Term Assurance
215%
170%
265%
Income Protection
215%
170%
265%
LVI
Term Assurance
215%
184%
269%
Income Protection
215%
184%
267%
Legal & General
Term Assurance
215%
174%
269%
Income Protection
215%
174%
267%
Royal London
Term Assurance
215%
157%
265%
Income Protection
215%
157%
265%
Vitality
Term Assurance
209%
189%
249%
Income Protection
209%
189%
249%
The Exeter
Term Assurance
160%
Income Protection
Zurich
Term Assurance
207%
163%
246%
Income Protection
207%
163%
246%
Notes:
  • Rates as of October 2020 - all rates are subject to change
  • Rates assume electronic case submission
  • Rates assume a minimum term of 12 years
  • LV - rates do not apply to personal sick pay product
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