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Outlined below is a list of the providers that our firm deals with:

 

Single Contribution Products Initial Commission Clawback Period Trail Commission
Single Contribution: Pension      
Aviva 5%   1% p.a
Davy Select     0.50%
Friends First 5%   0.75% p.a
Irish Life 5%   0.75% p.a
New Ireland 5% 5 Years 1% p.a
Newcourt Retirement Fund Managers 0.25%   0.50%
Standard Life 5%   1% p.a
Wealth Options Limited     0.50%
Zurich Life 5.5%   0.50% p.a

 

Single Contribution PRSA      
Aviva 4%   0.50% p.a
Davy Select     0.50%
Friends First 7.5%   0.25% p.a
Irish Life 5%   1% p.a
New Ireland 7% 5 Years 0.5% p.a
Newcourt Retirement Fund Managers 0.25%   0.50%
Standard Life 5%   0.50%
Wealth Options Limited     0.30%
Zurich Life 5.5%   0% p.a

 

ARF /AMRF      
Aviva 5%   1% p.a
Davy Select     0.50%
Friends First 5%   0.75% p.a
Irish Life 5%   0.75% p.a
New Ireland 5% n.a 1% p.a
Newcourt Retirement Fund Managers 0.25%   0.50%
Standard Life 4%   1% p.a
Wealth Options Limited     0.50%
Zurich Life 3%   0.50% p.a

 

Annuity      
Aviva 3%   n.a
Friends First 3%   n.a
Irish Life 3%   n.a
New Ireland 3% n.a n.a
Zurich Life 3%   n.a

 

Investment Bond      
Aviva 5%   1% p.a
BCP 2.1%    
BlackBee Investments 3%    
Broker Solutions 2.5%    
Cantor Fitzgerald Ireland Ltd. 2.25%    
Davy Select     0.50%
Friends First 4%   0.75% p.a
Investec Europe Limited 2.25%    
Irish Life 3%   0.50% p.a
New Ireland 4% 3 Years 1% p.a
Standard Life 4%   1% p.a
Zurich Life 5%   0.50% p.a

 

Regular Contribution Products Initial Commission Clawback Period Renewal / Flat Commission Trial Commission

 

Regular Contribution Pension        
Aviva 15%     1% p.a
Davy Select       0.50% 
Friends First 25%     0.75% p.a
Irish Life 17.5%   5% 0.50% p.a
New Ireland 25% 5 Years 8% 1% p.a
Standard Life 25%   5% 1% p.a
Zurich Life 20% 4 Years 3% 050% p.a

 

Regular Contribution PRSA        
Aviva 15%     1% p.a
Davy Select       0.50% 
Friends First 17.5%     0.25% p.a
Irish Life 17.5%   5% 0.50% p.a
New Ireland 25% 5 Years 6% 0.50% p.a
Standard Life 5%   5% 0.50% p.a
Zurich Life 5% 4 Years 5% 0% p.a

 

Savings        
Aviva 15%     1% p.a
Davy Select       0.50%
Friends First 10%     0.75% p.a
Irish Life 5.5%   5.5% 0.50% p.a
New Ireland 10% 5 Years 2.5% 0.50% p.a
Standard Life 15% 5 Years n.a 1% p.a
Zurich Life 10% 4 Years 1% 0.50% p.a

 

Individual Protection Yr1 2 3 4 5 6 7 8 9+ Clawback Period
Aviva 200% 30% 30% 30% 30% 30% 30% 30% 30% 2 Years
Irish Life 120% 28% 30% 28% 28% 30% 28% 28% 28%  
New Ireland 225% 50% 20% 20% 20% 12.5% 12.5% 12.5% 12.5% 5 Years
Royal London 225% 0% 0% 0% 0% 3% 3% 3% 3% 5 Years
Zurich Life 100% 12% 12% 12% 12% 12% 12% 12% 12% 1 Year

 

Group Protection Death in Service Clawback Period Permanent Health Insurance  Clawback Period
Aviva 6%   12.5%  
Irish Life 6% p.a   12.5% p.a  
New Ireland 15% 1 Year 20% 1 Year
Zurich Life 6% n.a 12.5% n.a