Compensation for individual products is higher in the first year to offset the broker's increased expenses resulting from the initial implementation of the policy, which include prospecting, gathering underwriting data, enrollment on multi-life cases, and policy accounting. Renewal and service fees are lower in subsequent years. For comparison purposes, an approximate average of total compensation over the time a policy remains in force would be about 12.5% of premium each year.

Your broker may also be eligible for additional renewal compensation based on total new annualized individual long term care premium written with Unum the year your policy is placed in force. This additional commission ranges from 0 5% in years 2-thru-10, and 0 3% in the 11th year and thereafter. Unum also offers a variety of other incentive compensation programs for our brokers. These incentive compensation programs are typically based on criteria such as the volume of new sales, size of the broker's in force block and persistency and usually range from 0-15% of first year new premium. Your broker can provide additional information about the programs in which he or she participates that might generate additional compensation. In addition, Unum has marketing agreements with a number of national business partners. If your broker is affiliated with one of these partners, compensation levels may vary.