Paradigm Protect

Paradigm Commissions - Elite Choice

In five years since launch, Paradigm Protect has become the most comprehensive Protection and General Insurance offering to directly authorised firms. Paradigm Protect has one panel which covers all Providers. Our panel has non-loaded commission terms meaning that your clients will not pay higher premiums in order for you to earn more commission. We have worked hard to ensure that the net commission terms payable are market leading.

Term Assurance, Critical/Serious Illness, Family Income Benefit

4 Year Terms INDEMNITY NON- INDEMNITY
Provider Earnings Period Gross API % Net API* % Gross API % Net API* %
Aegon3 4 206.95 200.74 259.00 251.23
AIG 4 210.00 203.70 263.00 255.11
AIG Life Instant 4 231.00 224.07 289.30 280.62
Aviva 4 206.00 199.82 257.81 250.08
Canada Life 4 196.00 190.12 N/A N/A
Guardian 4 205.00 198.85 241.00 233.77
Legal & General 4 201.40 195.36 252.00 244.44
LV= 4 207.00 200.79 259.00 251.23
Old Mutual Wealth 4 170.00 164.90    
Royal London1 4 206.95 202.29 259.00 253.17
Scottish Widows2 4 205.00 199.87 256.20 249.80
The Exeter 4 210.00 203.70    
The Exeter (Impaired Life) 4 160.00 155.20    
VitalityLife 4 206.50 200.31 245.00 237.65
Zurich 4 205.00 199.88    
2 Year Terms INDEMNITY NON- INDEMNITY
Provider Earnings Period Gross API % Net API* % Gross API % Net API* %
AIG 2 176.00 170.72 N/A N/A
AIG Life Instant 2 193.60 187.79 N/A N/A
Aviva 2 184.00 178.48 N/A N/A
LV= 2 184.60 179.06 N/A N/A
MetLife 2 100.00 100.00 N/A N/A
MetLife Renewal After 25 months 12.50 12.50 N/A N/A
Old Mutual Wealth 2 105.00 101.85    
OneFamily (over 50s) 2 140.00 135.80    
Royal London 2 179.33 173.95 200.60 194.58


*Paradigm will take a 3% commission split of the gross API. This percentage is shown via the net terms (the 97% you will receive).

1 Paradigm will apply a 2.25% commission split on Royal London 4-year gross commission terms (compared to the normal 3%). This is in order to maintain our commitment to offering you market leading net terms. 

2 Paradigm will apply a 2.5% commission split on Scottish Widows gross commission terms (compared to the normal 3%). This is in order to maintain our commitment to offering you market leading net terms. 

3 Renewal commission not available after 48 months.

In some instances Paradigm may take a lower commission split where existing terms linked to Paradigm mean that a high commission split would result in lower commission payable.

To register to use the Paradigm Protect Panel, please fill in this form and send a scanned copy to info@paradigmprotect.co.uk and we’ll start to process this request straight away. 

Remember that you can also align your GI agencies at the same time and earn more per case through our annual profit share scheme.

Correct as at 8 April 2019