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:

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
Provider	Earning Period (Years)	Monthly Premium (£)	Current Gross Commission (£)	Paradigm Gross API (%)	Paradigm Gross Commission	Gross Commission Difference	Current Net Commission	Paradigm Net Commission	Am I Better Off?
AIG	2
AIG	4
Aviva	2
Aviva	4
Guardian	4
HSBC Life	4
L&G	4
LV	2
LV	4
Royal London	2
Royal London	4
Scottish Widows	4
Vitality	4
Zurich	2
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 Total (£)
Average AP (£)
Provider	Business Split (%)	Net API Difference
AIG (2 Year)				Total Additional Income
AIG (4 Year)
Aviva (2 Year)
Aviva (4 Year)
Guardian
HSBC Life
L&G
LV (2 Year)
LV (4 Year)
Royal London (2 Year)
Royal London (4 Year)
Scottish Widows
Vitality
Zurich (2 Year)
Zurich (4 Year)

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 [email protected] or call on 03300 536061

* 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.

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.
Paradigm can not be held responsible for holding incorrect information if Providers do not supply the correct commission terms to us or make us aware of any relevant changes.