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Aetna

Level	Whole Life	Final EX
145	-	-
140	144%	123%
135	137%	118%
130	130%	113%
125	125%	108%
120	120%	100%
115	115%	93%
110	107.5%	85%
105	100%	78%
100	92.5%	70%
95	85%	70%
90	77.5%	70%
85	70%	63%
80	70%	63%
75	70%	63%
70	70%	63%
65	70%	63%

Aflac

Level	Senior/Family Choice
145	125%
140	125%
135	120%
130	115%
125	110%
120	105%
115	100%
110	95%
105	90%
100	85%
95	80%
90	75%
85	65%
80	65%
75	60%
70	55%
65	50%

American Amicable

Level	EZ Term	Secure Life	Home Protector	OBA	Term Made Simple	Family Protector	XUL
145	100%	140%	145%	100%	130%	130%	105%
140	100%	140%	140%	100%	130%	130%	105%
135	95%	135%	135%	95%	125%	125%	100%
130	90%	130%	130%	90%	120%	120%	95%
125	85%	125%	125%	85%	115%	115%	90%
120	80%	120%	120%	80%	110%	110%	85%
115	75%	115%	115%	75%	105%	105%	80%
110	70%	110%	110%	70%	100%	100%	75%
105	65%	105%	105%	65%	95%	95%	65%
100	60%	100%	100%	60%	90%	90%	65%
95	55%	90%	90%	55%	85%	80%	55%
90	50%	90%	85%	50%	80%	80%	55%
85	45%	85%	85%	45%	75%	75%	45%
80	40%	80%	80%	40%	70%	70%	45%
75	35%	75%	70%	35%	65%	65%	45%
70	30%	70%	70%	30%	60%	60%	45%
65	25%	65%	65%	30%	55%	55%	45%

Americo

Level	HMS 125	Eagle Premier
145	145%	135%
140	140%	135%
135	135%	130%
130	130%	125%
125	125%	120%
120	120%	115%
115	115%	110%
110	110%	105%
105	105%	100%
100	100%	95%
95	95%	90%
90	90%	85%
85	85%	80%
80	80%	75%
75	75%	70%
70	70%	65%
65	65%	60%

Chubb

Level	Generational Life
145	120%
140	120%
135	115%
130	110%
125	105%
120	100%
115	95%
110	90%
105	85%
100	80%
95	75%
90	70%
85	65%
80	60%
75	55%
70	50%
65	45%

Corebridge

Level	GIWL	SIWL
145	-	-
140	80.0%	132%
135	77.5%	127%
130	75.0%	122%
125	72.5%	117%
120	70.0%	112%
115	67.5%	107%
110	65.0%	102%
105	62.5%	97%
100	60.0%	92%
95	57.5%	87%
90	57.5%	82%
85	55.0%	77%
80	55.0%	72%
75	55.0%	67%
70	55.0%	62%
65	55.0%	57%

Ethos

Level	LGA Prime	TruStage TAWL	TruStage SITL	TruStage GAWL	Ameritas IUL	Ameritas SI Term	JH ROP
145	120.0%	120.0%	55.0%	30%	125.0%	120.0%	145.0%
140	117.5%	120.0%	52.5%	27.5%	120.0%	117.5%	145.0%
135	115.0%	117.5%	50.0%	25.0%	115.0%	115.0%	135.0%
130	112.5%	115.0%	47.5%	22.5%	110.0%	112.5%	130.0%
125	110.0%	110.0%	45.0%	20.0%	105.0%	110.0%	125.0%
120	107.5%	105.0%	42.5%	17.5%	100.0%	107.5%	115.0%
115	105.0%	100.0%	40.0%	15.0%	95.0%	105.0%	105.0%
110	102.5%	95.0%	37.5%	12.5%	90.0%	102.5%	100.0%
105	100.0%	90.0%	35.0%	10.0%	85.0%	100.0%	95.0%
100	97.5%	87.5%	32.5%	7.5%	80.0%	97.5%	90.0%
95	95.0%	85.0%	30.0%	5.0%	75.0%	95.0%	85.0%
90	92.5%	82.5%	27.5%	2.5%	70.0%	92.5%	80.0%
85	90.0%	80.0%	25.0%	2.5%	65.0%	90.0%	75.0%
80	87.5%	77.5%	22.5%	2.5%	60.0%	87.5%	70.0%
75	85.0%	70.0%	20.0%	2.5%	55.0%	85.0%	65.0%
70	82.5%	65.0%	17.5%	2.5%	50.0%	82.5%	60.0%
65	80.0%	60.0%	15.0%	2.5%	50.0%	80.0%	55.0%

Foresters

Level	Strong Foundation	Planright
145	-	-
140	120%	120%
135	115%	115%
130	110%	110%
125	105%	105%
120	100%	100%
115	95%	95%
110	90%	90%
105	85%	85%
100	80%	80%
95	75%	75%
90	70%	70%
85	65%	65%
80	60%	60%
75	55%	60%
70	50%	60%
65	45%	60%

InstaBrain

Level	Life Term	Senior Life Term/WL	Final Expense WL	Guaranteed Issue WL	Accidental
145	130%	90%	128%	73%	90%
140	125%	85%	125%	70%	85%
135	120%	80%	123%	68%	80%
130	115%	75%	120%	65%	75%
125	110%	70%	118%	63%	70%
120	105%	65%	115%	60%	65%
115	100%	60%	113%	58%	60%
110	95%	55%	110%	55%	55%
105	90%	50%	108%	53%	50%
100	85%	45%	103%	50%	45%
95	80%	40%	100%	48%	40%
90	75%	35%	100%	45%	35%
85	70%	30%	98%	43%	30%
80	65%	25%	95%	40%	25%
75	60%	20%	93%	38%	20%
70	55%	15%	90%	35%	15%
65	55%	15%	90%	35%	15%

Liberty Bankers

Level	FX
145	-
140	125%
135	120%
130	115%
125	110%
120	105%
115	100%
110	98%
105	90%
100	80%
95	75%
90	70%
85	65%
80	60%
75	55%
70	50%
65	50%

Ladder Life

Level	FX
145	-
140	120%
135	115%
130	110%
125	105%
120	100%
115	95%
110	90%
105	85%
100	75%
95	70%
90	60%
85	55%
80	50%
75	50%
70	50%
65	50%

NLG (National Life Group)

Level	Universal Life
145	-
140	110%
135	105%
130	100%
125	95%
120	90%
115	85%
110	80%
105	75%
100	70%
95	65%
90	60%
85	55%
80	50%
75	45%
70	40%
65	40%

Mutual of Omaha

Level	Term Life Express	Final Expense	IUL	Children's Whole Life	IULE	Term Life Answers	Accidental Death
145	145%	125%	125%	100%	130%	110%	130%
140	140%	125%	125%	100%	130%	110%	130%
135	135%	120%	120%	97%	125%	105%	125%
130	130%	115%	115%	95%	120%	100%	120%
125	125%	110%	110%	92%	115%	95%	115%
120	120%	105%	105%	90%	110%	90%	110%
115	115%	100%	100%	85%	105%	85%	105%
110	110%	95%	95%	80%	100%	80%	100%
105	105%	90%	90%	75%	95%	75%	95%
100	100%	86%	85%	70%	90%	70%	90%
95	95%	82%	80%	65%	85%	65%	85%
90	90%	78%	75%	60%	80%	60%	80%
85	85%	74%	70%	55%	75%	55%	75%
80	80%	70%	65%	50%	70%	50%	70%
75	75%	65%	60%	45%	65%	45%	65%
70	75%	61%	55%	40%	60%	40%	60%
65	65%	57%	50%	35%	55%	35%	55%

Royal Neighbors

Level	Term	Royal Legacy SPWL	Secure Life IUL	SI Whole Life
145	-	-	-	-
140	-	-	-	-
135	120%	16%	125%	125%
130	115%	15%	120%	120%
125	110%	14%	112%	110%
120	100%	13%	105%	100%
115	95%	13%	105%	100%
110	95%	13%	100%	95%
105	90%	12%	98%	95%
100	85%	11%	90%	85%
95	80%	10%	80%	75%
90	75%	9%	80%	75%
85	70%	7%	70%	45%
80	50%	7%	40%	45%
75	50%	7%	40%	45%
70	50%	7%	40%	45%
65	50%	7%	40%	45%

Transamerica

Level	FE	UL
145	140%	120%
140	140%	120%
135	135%	115%
130	130%	110%
125	125%	105%
120	120%	100%
115	115%	95%
110	110%	90%
105	105%	80%
100	100%	75%
95	95%	70%
90	90%	60%
85	85%	55%
80	80%	50%
75	75%	45%
70	70%	40%
65	70%	40%

United Home Life

Level	FX	GIWL	Whole Life	Accidental	Term
145	-	-	-	-	-
140	110%	70%	120%	100%	110%
135	105%	65%	115%	95%	105%
130	100%	60%	110%	90%	100%
125	95%	55%	105%	85%	95%
120	90%	50%	100%	80%	90%
115	85%	45%	95%	75%	85%
110	80%	40%	90%	70%	80%
105	75%	35%	85%	65%	75%
100	70%	30%	80%	60%	70%
95	65%	25%	75%	55%	65%
90	60%	25%	70%	50%	60%
85	55%	25%	65%	50%	55%
80	50%	25%	60%	50%	50%
75	45%	25%	55%	45%	45%
70	45%	25%	55%	45%	45%
65	45%	25%	55%	45%	45%

Commissions may differ by term, age, and graded. Internal use only. Revised 8/05/2025.