Paradigm has worked hard with all Protection Providers to bring you market leading commercial terms. We also offer comprehensive support including a Protection helpdesk, regular CPD events, quotation technology, marketing support and more. In many instances where agencies are currently held direct with Providers, this can have a significant effect on commission income, with increases of up to 40% in some cases.

"One call to Paradigm Protect made me an extra £600 on a £100 per month premium"

Nick Matthews MG Shaw


Nick contacted us on a Friday afternoon saying that he had a case to place and wondered what the impact of using Paradigm Protect would be on his commission levels. After some quick calculations, we established that the difference for a £100 per month premium would be around £600. We contacted the Provider to change his agency terms which was carried out on the Monday and an extra £600 was paid on the case with nothing else changing – we only required a confirmation email from Nick to change to Paradigm terms.

"We have 17 wealth managers in our firm and had some initial reservations in joining Paradigm Protect because we envisaged disruptions to our process. That couldn’t have been further from the truth – once we sent the email, the Paradigm Protect team did all the rest and we are now enjoying markedly higher commission terms on our Protection business" Darren Johncock HFM Columbus

Paradigm has relationships with all major Protection Providers operating in the intermediary space, as well as specialist Providers such as Holloway Friendly, Exeter Friendly and UNUM.

  • Individual Life
  • Critical Illness
  • Over 50’s Plans
  • Relevant Life
  • Family Income Benefit
  • Whole of Life
  • Income Protection
  • Impaired Lives
  • General Insurance
  • Group Life
  • Funeral plans
  • Private Medical Insurance referral
No, there are no loaded premiums to be paid by your clients. The rates which we have access to are the best rates offered by the Providers in the intermediary space; our increased commissions are as a result of Paradigm’s “buying power” and commitment to quality.

The Paradigm Protect Panel offers a choice of 8 Providers with enhanced commission terms. When you sign up to this panel, it does not preclude agencies being held with Providers not on that panel (i.e. some featured only on the Whole of Market panel), and we will open up or switch agencies to the WOM panel in addition. It does NOT mean that your firm is deemed to be operating from a restricted panel, and you can be declared as independent.

Net commissions vary between a 1% - 3% split to Paradigm, and are designed to be market leading for firms.

Our Paradigm Protect Panel now includes our general insurance providers as standard. The way you submit business doesn’t change, whether you write it yourself or refer to one of our trusted partners, nor does it affect the amount of commission you receive up front; it just triggers a retained fee to be paid on top of that commission to Paradigm. These retained fees are accumulated throughout the year and then Paradigm will share 50% back with your firm as part of our annual profit share scheme, in the same way as for mortgage retained fees.

Commission is paid directly to you by the Provider. Any commission split to Paradigm is paid directly to Paradigm.
There is a wide variety of material available to Paradigm firms, including sales aids, general advertising material and webcasts from all major Providers; these can be found in the Marketing area of the site.

We have access to both the Exchange and iPipeline the latter being free of charge to Paradigm Protect members. We can also arrange access for firms to SolutionBuilder from iPipeline. We also have a research tool available called Quality Analyser from F&RTC, which helps select appropriate protection products for clients based on client needs - this research tool also has inbuilt CPD elements and is completely free for Paradigm Protect firms.

Joining Paradigm Protect does not affect the process of getting quotations for clients. When you request a quotation from either of the main portals, as the quotation rates are calculated, the commission levels are simultaneously obtained from the Provider’s agency systems. This ensures that commission disclosure on your client’s quote is both bespoke to your firm, and fully accurate.

Send us a sample quotation from Exchange/iPipeline to and we can show you which Providers you would be better off with via Paradigm’s enhanced terms.

You can rest assured that joining Paradigm Protect:

  • Will not result in an increase in premium for your clients
  • Will not compromise your independent status
  • Will not prevent you from dealing with any providers of your choice
  • Will ensure you are never paid less net commission than the rates you currently receive

We hold specialist Protection events throughout the UK where Providers discuss their propositions, underwriting and unique selling points. Invites are sent via email and details are also available on our website. All directly authorised firms are very welcome to attend these. Events are free of charge and CPD certificates are provided. 

Email asking us to align your firm to Paradigm’s commission terms. You will be required to sign an Paradigm Protect Panel form which we will send to you. We will then contact the Providers and do the rest.

  • Aegon
  • Aviva
  • Legal & General
  • LV=
  • Royal London
  • Scottish Widows
  • Vitality
  • Zurich

For any other questions please visit our website or call the office on 03300 536061 where we will be happy to help.

Alternatively, you can email