Advisor Commission Ready Reckoner

First Year & Renewal Commission Structure- Traditional & Protection

First Year Renewal Commissions
Product PPT in Yrs Premium Band 4th & 9th & 11th
Commission 2nd Yr 3rd Yr 6th Yr 7th Yr 8th Yr
5th Yr 10th Yr Yr+
5 Yrs 15% 3% 3% 3%
6 Yrs 18% 3% 3% 3% 3%
7 Yrs 21% 3% 3% 3% 3% 3%
8 Yrs 24% 3% 3% 3% 3% 3% 3%
GIFT All
9 Yrs 27% 3% 3% 3% 3% 3% 3% 3%
10 Yrs 30% 3% 3% 3% 3% 3% 3% 3%
12 Yrs 35% 3% 3% 3% 3% 3% 3% 3% 3%
SP 2% Not Applicable
GIFT Online Same As GIFT No Renewal Commission
7 Yrs 21% 3% 3% 3% 3% 3%
GIFT Long Term 10 Yrs All 30% 3% 3% 3% 3% 3% 3% 3%
12 Yrs 35% 3% 3% 3% 3% 3% 3% 3% 3%
GIFT Long Term Online Same As GIFT Long Term No Renewal Commission
5 Yrs 15% 5% 5% 5%
7 Yrs 21% 5% 5% 5% 5% 5%
Savings Suraksha All
10 Yrs 30% 5% 5% 5% 5% 5% 5% 5%
12 Yrs+ 35% 5% 5% 5% 5% 5% 5% 5% 5%
5 Yrs 15% 3% 3% 3%
6 Yrs 18% 3% 3% 3% 3%
7 Yrs 21% 3% 3% 3% 3% 3%
GOLD 8 Yrs All 24% 3% 3% 3% 3% 3% 3%
9 Yrs 27% 3% 3% 3% 3% 3% 3% 3%
10 Yrs 30% 3% 3% 3% 3% 3% 3% 3%
12 Yrs+ 35% 3% 3% 3% 3% 3% 3% 3% 3%
5 Yrs 15% 3% 3% 3%
6 Yrs 18% 3% 3% 3% 3%
7 Yrs 21% 3% 3% 3% 3% 3%
Sukh Sammruddhi 8 Yrs All 24% 3% 3% 3% 3% 3% 3%
9 Yrs 27% 3% 3% 3% 3% 3% 3% 3%
10 Yrs 30% 3% 3% 3% 3% 3% 3% 3%
12 Yrs+ 35% 3% 3% 3% 3% 3% 3% 3% 3%
5 Yrs 15% 5% 2% 2%
7 Yrs 21% 4% 4% 2% 2% 2%
LAKSHYA 10 Yrs All 30% 4% 4% 4% 2% 2% 2% 2%
12 Yrs 35% 4% 4% 4% 2% 2% 2% 2% 2%
15 Yrs 35% 4% 4% 4% 2% 2% 2% 2% 2%
5 Yrs 15% 5% 5% 5%
7 Yrs 21% 5% 5% 5% 5% 5%
Future Perfect 10 Yrs All 30% 5% 5% 5% 5% 5% 5% 5%
15 Yrs 35% 5% 5% 5% 5% 5% 5% 5% 5%
20 Yrs 35% 5% 5% 5% 5% 5% 5% 5% 5%
5 Yrs 15% 5% 5% 5%
Cash Advantage 7 Yrs All 21% 5% 5% 5% 5% 5%
10 Yrs 30% 5% 5% 5% 5% 5% 5% 5%
5 Yrs 15% 5% 5%
ASIP All
7 Yrs 21% 5% 5% 5% 5% 5% 5% 5%

5 Yrs 2% 2% 2%
7 Yrs 40% 3% 3% 3% 3% 3%
>=10 Yrs 4% 4% 4% 4% 4% 4% 4% 4%
I-Protect Smart All
RP<10 Yrs 25% 7.5% 7.5% 5% 5% 5% 5% 5%
RP>=10Yrs 40% 7.5% 7.5% 5% 5% 5% 5% 5% 5%
SP 7.5% Not Applicable
5 Yrs 2% 2% 2%
20%
Other PPTs 4% 4% 4% 4% 4% 4% 4% 4%
I-Protect Smart (Online) RP<10 Yrs All 25% 4% 4% 4% 4% 4% 4% 4%
RP>=10Yrs 40% 2% 2% 2% 2% 2% 2% 2% 2%
SP 7.5% Not Applicable
5 Yrs 15% 4% 2% 2%
7 Yrs 21% 4% 4% 2% 2%
10 Yrs 30% 5% 5% 5% 5% 5%
12 Yrs 35% 5% 5% 5% 5% 5% 5% 5% 5%
IPROP All
15 Yrs 35% 5% 5% 5% 5% 5% 5% 5% 5%
20 Yrs 35% 5% 5% 5% 5% 5% 5% 5% 5%
RP Lower of PPT*3 OR 35% 5% 5% 5% 5% 5% 5% 5% 5%
SP 1% Not Applicable
IPROP (Online) Same As IPROP No Renewal Commission
Heart & Cancer All All Lower of PPT*3 OR 30% 7.5% 7.5% 5% 5% 5% 5% 5% 5%
LP 5 Yrs 1% 1% 1%
<=25Lc 20%
LP 10 Yrs 2% 2% 2% 2% 2% 2% 2%
LP 5 Yrs 2% 2% 2%
>25Lc 40%
LP 10 Yrs 4% 4% 4% 4% 4% 4% 4%
Saral Jeewan Bima RP <10 Yrs 12.5%
<=25Lc 3.75% 3.75% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
RP >=10 Yrs 20%
RP <10 Yrs 25%
>25Lc 7.5% 7.5% 5% 5% 5% 5% 5% 5%
RP >=10 Yrs 40%
SP All 7.5% Not Applicable
 First Year & Renewal Commission Structure- Unit Linked & Pensions
First Year Commission Renewal Commissions
Product PPT in Yrs Premium Band Cat-A Cat-B Cat-C Cat-D Cat-E Cat-F Cat-G Cat-H 4th & 9th & 11th
9 Lacs - 20 Lacs - 40 Lacs - 60 Lacs - 1 Crore - 2 Crore - 5 Crore & 2nd Yr 3rd Yr 6th Yr 7th Yr 8th Yr
< 9 Lacs 5th Yr 10th Yr Yr+
19.99 Lacs 39.99 Lacs 59.99 Lacs 99.99 Lacs 1.99 Crore 4.99 Crore above

PPT <7 4% 4% 4% 6% 8% 11% 13% 15% 2% 2% 2% 4% 1% 1% 1% 1%

1 L to 4.99
PPT >=7 5% 5% 5% 7% 9% 13% 15% 20% 2% 2% 2% 4% 1% 1% 1% 1%
Signature
PPT < 7 2% 2% 2% 3% 4% 9% 11% 14% 2% 2% 1% 3% 2% 2% 1% 1%
>=5 L
PPT >=7 3% 3% 3% 4% 5% 11% 13% 16% 2% 2% 1% 3% 2% 2% 1% 1%
Signature Online All All 2% No Renewal Commission
5-6 Yrs 6% 6% 7% 8% 10% 14% 15% 15% 2% 2% 2% 2%
Life Time Classic All
>=7 Yrs 7% 7% 8% 9% 12% 16% 20% 21% 2% 2% 2% 2% 2% 2% 2% 2%
5-6 Yrs 6% 6% 7% 8% 10% 14% 15% 15% 2% 2% 2% 2%
Smart Life All
>=7 Yrs 7% 7% 8% 9% 12% 16% 20% 21% 2% 2% 2% 2% 2% 2% 2% 2%
Ipru 1Wealth NA All 1% 1% 1% 1% 1% 1% 1% 1% Not Applicable

Guaranteed Wealth 5 Yrs 6% 6% 8% 8% 8% 8% 8% 9% 2% 2% 2%

All
Protector 7 Yrs 7% 7% 8% 9% 12% 16% 18% 20% 2% 2% 2% 2% 2%

Guaranteed Pension
NA All 2% 2% 2% 2% 2% 2% 2% 2% Not Applicable
Plan
5 Yrs 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 2%
Guaranteed Pension
7 Yrs All 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 2%
Plan FLEXI
10 Yrs+ 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 7.5% 2%
<5Lc 5% 5% 5% 5% 5% 5% 5% 5% 2%
Easy Retirement
All 5 - 9.99Lc 2% 2% 2% 2% 2% 2% 2% 2% 2%
(YLY)
>=10Lc 1% 1% 1% 1% 1% 1% 1% 1% 0.5%
<5Lc 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 2%
Easy Retirement
All 5 - 9.99Lc 2% 2% 2% 2% 2% 2% 2% 2% 2%
(HLY & MLY)
>=10Lc 1% 1% 1% 1% 1% 1% 1% 1% 0.5%