Time to go compare?

Why not take a minute to compare your current protection commission earnings to what you may earn via Paradigm Protect? Our quick and easy calculator below will help you to see which Providers you may be able to earn more with just by switching your agencies today! As always, the Paradigm rates have no loaded premiums so your clients do not pay more in order for you to earn more.

Before you get started:

  • You’ll need a sample quotation, for example from iPipeline or The Exchange. This must show the premium a client would pay as well as how much you will earn.
  • You’ll need to know, where applicable, which Providers you have 2 or 4 year terms with as this will effect which box you enter figures in
  • You’ll need to not be receiving loaded premiums through your current commission arrangement as in all likelihood our terms will not be able to match these*
  • To use the final columns you’ll also need to know what percentage commission split your current commission Provider takes as this calculates your NET fee. At Paradigm Protect we take 3%*.

Let’s go!

Simply enter into the boxes below your premium figures and total commission from the sample commission, for each individual Provider…

Current split % This is the percentage that your current payment route takes from the gross commission
Provider Earning Period
Premium (£) Current
Gross Commission (£)
Gross API (%)
Gross Commission
Gross Commission Difference Current Net Commission Paradigm
Net Commission
Am I Better Off?
Aegon 4
Aviva  2
Aviva  4
Canada Life 4
Guardian 4
L & G 4
LV 2
LV 4
Royal London 2
Royal London 4
Scottish Widows 4
Vitality 4
Zurich 4

Putting these commission differences into perspective

It's great knowing how much additional commission you could be earning per case, but how much would this actually amount to across a whole year? You can use the table below to work out your total additional income on the Paradigm terms by entering your average monthly premiums and the percentage split of business with each provider.

Average monthly premiums (£)          
Average AP (£)          
Provider % with each provider Net API Difference  

Total Additional Income

AIG (2 Year)  
AIG (4 Year)  
Aviva (2 Year)    
Aviva (4 Year)    
Canada Life    
L & G        
LV (2 Year)  
LV (4 Year)  
Royal London (2 Year)  
Royal London (4 Year)  
Scottish Widows  

Paradigm take a 3% commission split on protection business.

We request that a Provider will never change your commission terms if your net terms would be worse off.

If you have any questions, please email info@paradigmprotect.co.uk or call on 03300 536061

Key benefits of the proposition

What now?

To get the ball rolling, all you need to do is email riona.mulherin@paradigmmortgages.com and ask to be aligned to Paradigm’s enhanced terms. Please complete this form and attach to your email (scanned copy is fine), asking for all agencies to be aligned to Paradigm.  If you would like to get an iPipeline license then please let us know and we can get one set up for you, free of charge.

Just so that you are aware, Paradigm take a 3% commission split on protection business. We will request that a Provider will never change your commission terms if for any reason your net terms would be any worse off.

* Call us on 03300 536061 if you’d like to know more about our rates without loaded premiums or if you need help checking if your current terms are loaded or not.

** The split may be lower than 3% for certain providers to ensure the best net terms possible. Please find full our commission terms here.