Ethos IUL Advanced Features

For agent use only

For Advance Pay agents Compensation true up examples Assumptions: $3K annualized planned premium (paid monthly) | 100% comp | 9 months advance Actual premium paid during first 9 months = $2,500; actual premium paid for remainder of first year = $250/mo. Planned premium does not exceed target premium for the policy Terms Comp payments

Comp total

9 months advance

9 months advance compensation: $2,250 True up on first day of month 10: $250 additional comp (on $2,500 actual vs. $2,250 planned premium) As Earned comp in policy months 10–12: $750 ($250/mo. x 3) $3,250

Assumptions: $3K annualized planned premium (paid monthly) | 100% comp | 9 months advance Actual premium paid during first 9 months = $2,000; actual premium paid for remainder of first year = $250/mo.

Terms

Comp payments

Comp total

9 months advance

9 months advance compensation: $2,250 True up on first day of month 10: $250 chargeback (due to $2,000 actual vs. $2,250 planned premium) As Earned comp in policy months 10–12: $750 ($250/mo. x 3)

$2,750

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