Step 1
Client Premium & Savings
Client-ready view
Enter your client’s age next birthday and their annual premium before discount. This shows their discounted premium, how long they’re likely to pay, and how much they could save over the full payment term.
Lifetime: pay up to policy anniversary after 98. Limited: shorter term, based on plan rules.
Figures update instantly as you adjust age, premium or payment option.
For client use: screenshot or crop this box and send it to your client.
All figures are for illustration only. Actual premiums and benefits will follow
the official quotation.
Step 2
Consultant Incentive Calculator
Key in the premium after discount per policy (or use the figure from Step 1), and the number of policies. The calculator will work out commissions and FA cash incentive.
Typical case: Premium before discount × 0.65 for a 35% discount.
Auto-calculated as: Premium after discount ÷ 1.09 (excludes 9% GST).
1st year: 79.99% · 2nd year: 29.99% · 3rd year: 10.00%
Additional incentive & income details
FA cash incentive is computed from the official T&C tiers, including
the final tier multiplier (rounded to nearest whole multiple).
Step 3
If Consultant Buys Own Policy
Using the same discounted premium (Step 1), banding (Step 2) and FA cash incentive, this shows your estimated net position in Year 1 if you purchase the same plan for yourself.
Net = banded 1st year commission + FA cash incentive − your own discounted premium.
LTC Turbocharge incentive is not included as it is no longer applicable.
