IFAC Ltd.

ALL COURSES START AT 10AM and finish between 11AM and 12midday

June 16th	SMF16 COMPLIANCE DIRECTOR TRAINING
June 18th	M&A IN RETAIL FINANCIAL SERVICES - A GUIDE
June 25th	INTRODUCERS AND APPOINTED REPRESENTATIVES

IFAC Panel Rates

PANEL COMISSION TERMS

Company	Term	4 YEAR API %	2 YEAR API %	NON-INDEMNITY API %
AVIVA	Term Assurance	215%	178%	265%
AVIVA	Income Protection	215%	178%	N/A
AIG	Term Assurance	215%	170%	265%
AIG	Income Protection	215%	170%	265%
LVI	Term Assurance	215%	184%	269%
LVI	Income Protection	215%	184%	267%
Legal & General	Term Assurance	215%	174%	269%
Legal & General	Income Protection	215%	174%	267%
Royal London	Term Assurance	215%	157%	265%
Royal London	Income Protection	215%	157%	265%
The Exeter	Term Assurance	160%
The Exeter	Income Protection
Zurich	Term Assurance	207%	163%	246%
Zurich	Income Protection	207%	163%	246%
Guardian	Term Assurance	215%		269%
Guardian	Income Protection	215%		269%
Scottish Widows	Term Assurance	215%		269%
Scottish Widows	Income Protection	215%		269%

Notes:

Rates as of December 2024 - 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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