FOR:
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10)7.2%
19.2%
7.2%
19.2%
2.25% excess7.2%
19.2%
1.50% renewals (yrs 2 – 10)7.2%
19.2%
7.2%
19.2%
7.2%
19.2%
7.2%
19.2%
2.25% excess7.2%
19.2%
1.50% renewals (yrs 2 – 10)7.2%
19.2%
7.2%
19.2%
8.4%
22.4%
8.4%
22.4%
2.25% excess8.4%
22.4%
1.50% renewals (yrs 2 – 10)8.4%
22.4%
8.4%
22.4%
2.25% excess8.4%
22.4%
1.50% renewals (yrs 2 – 10)8.4%
22.4%
8.4%
22.4%
YEAR 5Provided the policy is in force as of the 4th anniversary
12%
YEAR 2
Provided the policy is in force as of the 1st anniversary
14%
14%
30.0%
YEAR 3
Provided the policy is in force as of the 2nd anniversary
12%
YEAR 5
Provided the policy is in force as of the 4th anniversary
PROTECTION UNIVERSAL LIFE ’13 - ENHANCED SPREAD COMP OPTION
YEAR 1
12%
YEAR 2
Provided the policy is in force as of the 1st anniversary
1st year commissions will be spread over 5 years as follows:
1st year commissions will be spread over 5 years as follows:
YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 1
YEAR 4
Provided the policy is in force as of the 3rd anniversary
1st year commissions will be spread over 4 years as follows: YEAR 2
Provided the policy is in force as of the 1st anniversary
12%
12%
12%
YEAR 114%
14%
12%
PROTECTION SURVIVORSHIP UL ’13 - ENHANCED SPREAD COMP OPTION
12%
12%
YEAR 4
Provided the policy is in force as of the 3rd anniversary
50%
50%
14%
14%
14%
12%
14%
50%
PROTECTION INDEXED UL ’15 with
Cash Value Enhancement Option (PIULC15) *
ACCUMULATION INDEXED UL '15 **
1st year commissions will be spread over 4 years as follows:
80.0%
PROTECTION INDEXED UNIVERSAL LIFE '15 **
80.0%
80.0%
80.0%
IUL15 - ROLLING TARGETS AVAILABLE
PREMIER LIFE '11 *
50%
30.0%
PRL11UNIVERSAL LIFE G’13 *
Code #
50%
ULG13 SUG13 AUL0930.0%
50%
30.0%
50%
JOHN HANCOCK USA FIRST YEAR COMMISSION SCHEDULE (FIXED PRODUCTS)
IDA - 3MARK FINANCIAL, TEXAS INC
UNIVERSAL LIFE
SUB AGENT COMMISSION SCHEDULE
FIRST YEAR BASE COMMISSION (% OF FIRST YEAR PREMIUM UP TO TARGET)
80.0%
30.0%
50%
50%
30.0%
80.0%
30.0%
30.0%
80.0%
80.0%
PIUL15 - ROLLING TARGETS AVAILABLE
PROTECTION SURVIVORSHIP UL '13 *
PROTECTION SURVIVORSHIP INDEXED UL '13 **
PSU13
YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 4
Provided the policy is in force as of the 3rd anniversary
YEAR 2
Provided the policy is in force as of the 1st anniversary YEAR 1
PROTECTION SURVIVORSHIP INDEXED UL '13 with
Cash Value Enhancement Option* (PSIUL13C)
PUL15 - ROLLING TARGETS AVAILABLE
ACCUMULATION UNIVERSAL LIFE '09 *
PROTECTION UNIVERSAL LIFE '15 *
RENEWAL AND EXCESS
PREMIUMS COMMISSION
SURVIVORSHIP UNIVERSAL LIFE-G '13 *
30.0%
80.0%
PSIUL13 - ROLLING TARGETS AVAILABLE
YEAR 4
Provided the policy is in force as of the 3rd anniversary YEAR 3
Provided the policy is in force as of the 2nd anniversary
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET)
8.4%
22.4%
2.25% excess8.4%
22.4%
1.50% renewals (yrs 2 – 10)8.4%
22.4%
8.4%
22.4%
8.4%
22.4%
2.25% excess8.4%
22.4%
1.50% renewals (yrs 2 – 10)8.4%
22.4%
8.4%
22.4%
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET)30.0%
80.0%
N/A
35.0%
85.0%
N/A
40.0%
90.0%
N/A
30.0%
80.0%
2.00% renewals (yrs 2 – 10)30.0%
80.0%
N/A
35.0%
85.0%
N/A
40.0%
90.0%
N/A
RENEWAL AND EXCESS PREMIUMS COMMISSIONUNIVERSAL LIFE, cont'd
FIRST YEAR BASE COMMISSION (% OF FIRST
YEAR PREMIUM UP TO TARGET)
14%
14%
1st year commissions will be spread over 4 years as follows:
TERM
TERM PRODUCTS
50%
14%
YEAR 2Provided the policy is in force as of the 1st anniversary
14%
14%
14%
14%
YEAR 2
Provided the policy is in force as of the 1st anniversary
14%
1st year commissions will be spread over 4 years as follows: YEAR 4
Provided the policy is in force as of the 3rd anniversary
ACCUMULATION INDEXED UL '15 with
CASH VALUE ENHANCEMENT OPTION (AIULC15) *
* Premiums received within the last 23 days of the first year that do not generate first year commission will generate renewal commission at 2%
RENEWAL COMMISSION
SURVIVORSHIP TERM
TERM 10 (2015)
50%
50%
FIRST YEAR BASE COMMISSION (% OF FIRST YEAR PREMIUM UP TO TARGET)50%
TERM 20 (2015)
TERM 15 (2015)
YEAR 4Provided the policy is in force as of the 3rd anniversary YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 1
YEAR 3
Provided the policy is in force as of the 2nd anniversary
PREMIER LIFE '11
withCash Value Enhancement Option
(PRL11C) *
YEAR 1TERM 20 With Vitality (2015)
50%
TERM with VITALITY (All Plan Versions)
TERM 10 With Vitality (2015)
50%
TERM 15 With Vitality (2015)
50%
Created: 4/1/2015
Created: 4/1/2015
FOR:
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10)4.8%
16.8%
4.8%
16.8%
2.25% excess4.8%
16.8%
1.50% renewals (yrs 2 – 10)4.8%
16.8%
4.8%
16.8%
4.8%
16.8%
4.8%
16.8%
2.25% excess4.8%
16.8%
1.50% renewals (yrs 2 – 10)4.8%
16.8%
4.8%
16.8%
5.6%
19.6%
5.6%
19.6%
2.25% excess5.6%
19.6%
1.50% renewals (yrs 2 – 10)5.6%
19.6%
5.6%
19.6%
2.25% excess5.6%
19.6%
1.50% renewals (yrs 2 – 10)5.6%
19.6%
5.6%
19.6%
YEAR 5Provided the policy is in force as of the 4th anniversary
12%
YEAR 2
Provided the policy is in force as of the 1st anniversary
14%
14%
20.0%
YEAR 3
Provided the policy is in force as of the 2nd anniversary
12%
YEAR 5
Provided the policy is in force as of the 4th anniversary
PROTECTION UNIVERSAL LIFE ’13 - ENHANCED SPREAD COMP OPTION
YEAR 1
12%
YEAR 2
Provided the policy is in force as of the 1st anniversary
1st year commissions will be spread over 5 years as follows:
1st year commissions will be spread over 5 years as follows:
YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 1
YEAR 4
Provided the policy is in force as of the 3rd anniversary
1st year commissions will be spread over 4 years as follows: YEAR 2
Provided the policy is in force as of the 1st anniversary
12%
12%
12%
YEAR 114%
14%
12%
PROTECTION SURVIVORSHIP UL ’13 - ENHANCED SPREAD COMP OPTION
12%
12%
YEAR 4
Provided the policy is in force as of the 3rd anniversary
50%
50%
14%
14%
14%
12%
14%
50%
PROTECTION INDEXED UL ’15 with
Cash Value Enhancement Option (PIULC15) *
ACCUMULATION INDEXED UL '15 **
1st year commissions will be spread over 4 years as follows:
70.0%
PROTECTION INDEXED UNIVERSAL LIFE '15 **
70.0%
70.0%
70.0%
IUL15 - ROLLING TARGETS AVAILABLE
PREMIER LIFE '11 *
50%
20.0%
PRL11UNIVERSAL LIFE G’13 *
Code #
50%
ULG13 SUG13 AUL0920.0%
50%
20.0%
50%
JOHN HANCOCK USA FIRST YEAR COMMISSION SCHEDULE (FIXED PRODUCTS)
IDA - 3MARK FINANCIAL, TEXAS INC
UNIVERSAL LIFE
SUB AGENT COMMISSION SCHEDULE
FIRST YEAR BASE COMMISSION (% OF FIRST YEAR PREMIUM UP TO TARGET)
70.0%
20.0%
50%
50%
20.0%
70.0%
20.0%
20.0%
70.0%
70.0%
PIUL15 - ROLLING TARGETS AVAILABLE
PROTECTION SURVIVORSHIP UL '13 *
PROTECTION SURVIVORSHIP INDEXED UL '13 **
PSU13
YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 4
Provided the policy is in force as of the 3rd anniversary
YEAR 2
Provided the policy is in force as of the 1st anniversary YEAR 1
PROTECTION SURVIVORSHIP INDEXED UL '13 with
Cash Value Enhancement Option* (PSIUL13C)
PUL15 - ROLLING TARGETS AVAILABLE
ACCUMULATION UNIVERSAL LIFE '09 *
PROTECTION UNIVERSAL LIFE '15 *
RENEWAL AND EXCESS
PREMIUMS COMMISSION
SURVIVORSHIP UNIVERSAL LIFE-G '13 *
20.0%
70.0%
PSIUL13 - ROLLING TARGETS AVAILABLE
YEAR 4
Provided the policy is in force as of the 3rd anniversary YEAR 3
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET)
5.6%
19.6%
2.25% excess5.6%
19.6%
1.50% renewals (yrs 2 – 10)5.6%
19.6%
5.6%
19.6%
5.6%
19.6%
2.25% excess5.6%
19.6%
1.50% renewals (yrs 2 – 10)5.6%
19.6%
5.6%
19.6%
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET)20.0%
70.0%
N/A
25.0%
75.0%
N/A
30.0%
80.0%
N/A
20.0%
70.0%
2.00% renewals (yrs 2 – 10)20.0%
70.0%
N/A
25.0%
75.0%
N/A
30.0%
80.0%
N/A
RENEWAL AND EXCESS PREMIUMS COMMISSIONUNIVERSAL LIFE, cont'd
FIRST YEAR BASE COMMISSION (% OF FIRST
YEAR PREMIUM UP TO TARGET)
14%
14%
1st year commissions will be spread over 4 years as follows:
TERM
TERM PRODUCTS
50%
14%
YEAR 2Provided the policy is in force as of the 1st anniversary
14%
14%
14%
14%
YEAR 2
Provided the policy is in force as of the 1st anniversary
14%
1st year commissions will be spread over 4 years as follows: YEAR 4
Provided the policy is in force as of the 3rd anniversary
ACCUMULATION INDEXED UL '15 with
CASH VALUE ENHANCEMENT OPTION (AIULC15) *
* Premiums received within the last 23 days of the first year that do not generate first year commission will generate renewal commission at 2%
RENEWAL COMMISSION
SURVIVORSHIP TERM
TERM 10 (2015)
50%
50%
FIRST YEAR BASE COMMISSION (% OF FIRST YEAR PREMIUM UP TO TARGET)50%
TERM 20 (2015)
TERM 15 (2015)
YEAR 4Provided the policy is in force as of the 3rd anniversary YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 1
YEAR 3
Provided the policy is in force as of the 2nd anniversary
PREMIER LIFE '11
withCash Value Enhancement Option
(PRL11C) *
YEAR 1TERM 20 With Vitality (2015)
50%
TERM with VITALITY (All Plan Versions)
TERM 10 With Vitality (2015)
50%
TERM 15 With Vitality (2015)
50%
FOR:
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10) 2.25% excess 1.50% renewals (yrs 2 – 10)0.0%
12.0%
0.0%
12.0%
2.25% excess0.0%
12.0%
1.50% renewals (yrs 2 – 10)0.0%
12.0%
0.0%
12.0%
0.0%
12.0%
0.0%
12.0%
2.25% excess0.0%
12.0%
1.50% renewals (yrs 2 – 10)0.0%
12.0%
0.0%
12.0%
0.0%
14.0%
0.0%
14.0%
2.25% excess0.0%
14.0%
1.50% renewals (yrs 2 – 10)0.0%
14.0%
0.0%
14.0%
2.25% excess0.0%
14.0%
1.50% renewals (yrs 2 – 10)0.0%
14.0%
0.0%
14.0%
YEAR 5Provided the policy is in force as of the 4th anniversary
12%
YEAR 2
Provided the policy is in force as of the 1st anniversary
14%
14%
0.0%
YEAR 3
Provided the policy is in force as of the 2nd anniversary
12%
YEAR 5
Provided the policy is in force as of the 4th anniversary
PROTECTION UNIVERSAL LIFE ’13 - ENHANCED SPREAD COMP OPTION
YEAR 1
12%
YEAR 2
Provided the policy is in force as of the 1st anniversary
1st year commissions will be spread over 5 years as follows:
1st year commissions will be spread over 5 years as follows:
YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 1
YEAR 4
Provided the policy is in force as of the 3rd anniversary
1st year commissions will be spread over 4 years as follows: YEAR 2
Provided the policy is in force as of the 1st anniversary
12%
12%
12%
YEAR 114%
14%
12%
PROTECTION SURVIVORSHIP UL ’13 - ENHANCED SPREAD COMP OPTION
12%
12%
YEAR 4
Provided the policy is in force as of the 3rd anniversary
50%
50%
14%
14%
14%
12%
14%
50%
PROTECTION INDEXED UL ’15 with
Cash Value Enhancement Option (PIULC15) *
ACCUMULATION INDEXED UL '15 **
1st year commissions will be spread over 4 years as follows:
50.0%
PROTECTION INDEXED UNIVERSAL LIFE '15 **
50.0%
50.0%
50.0%
IUL15 - ROLLING TARGETS AVAILABLE
PREMIER LIFE '11 *
50%
0.0%
PRL11UNIVERSAL LIFE G’13 *
Code #
50%
ULG13 SUG13 AUL090.0%
50%
0.0%
50%
JOHN HANCOCK USA FIRST YEAR COMMISSION SCHEDULE (FIXED PRODUCTS)
IDA - 3MARK FINANCIAL, TEXAS INC
UNIVERSAL LIFE
SUB AGENT COMMISSION SCHEDULE
FIRST YEAR BASE COMMISSION (% OF FIRST YEAR PREMIUM UP TO TARGET)
50.0%
0.0%
50%
50%
0.0%
50.0%
0.0%
0.0%
50.0%
50.0%
PIUL15 - ROLLING TARGETS AVAILABLE
PROTECTION SURVIVORSHIP UL '13 *
PROTECTION SURVIVORSHIP INDEXED UL '13 **
PSU13
YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 4
Provided the policy is in force as of the 3rd anniversary
YEAR 2
Provided the policy is in force as of the 1st anniversary YEAR 1
PROTECTION SURVIVORSHIP INDEXED UL '13 with
Cash Value Enhancement Option* (PSIUL13C)
PUL15 - ROLLING TARGETS AVAILABLE
ACCUMULATION UNIVERSAL LIFE '09 *
PROTECTION UNIVERSAL LIFE '15 *
RENEWAL AND EXCESS
PREMIUMS COMMISSION
SURVIVORSHIP UNIVERSAL LIFE-G '13 *
0.0%
50.0%
PSIUL13 - ROLLING TARGETS AVAILABLE
YEAR 4
Provided the policy is in force as of the 3rd anniversary YEAR 3
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET)
0.0%
14.0%
2.25% excess0.0%
14.0%
1.50% renewals (yrs 2 – 10)0.0%
14.0%
0.0%
14.0%
0.0%
14.0%
2.25% excess0.0%
14.0%
1.50% renewals (yrs 2 – 10)0.0%
14.0%
0.0%
14.0%
SUPPLEMENTAL INCOME (% OF FIRST YEAR PREMIUM UP TO TARGET) TOTAL COMPENSATION (% OF FIRST YEAR PREMIUM UP TO TARGET)0.0%
50.0%
N/A
0.0%
50.0%
N/A
0.0%
50.0%
N/A
0.0%
50.0%
2.00% renewals (yrs 2 – 10)0.0%
50.0%
N/A
0.0%
50.0%
N/A
0.0%
50.0%
N/A
RENEWAL AND EXCESS PREMIUMS COMMISSIONUNIVERSAL LIFE, cont'd
FIRST YEAR BASE COMMISSION (% OF FIRST
YEAR PREMIUM UP TO TARGET)
14%
14%
1st year commissions will be spread over 4 years as follows:
TERM
TERM PRODUCTS
50%
14%
YEAR 2Provided the policy is in force as of the 1st anniversary
14%
14%
14%
14%
YEAR 2
Provided the policy is in force as of the 1st anniversary
14%
1st year commissions will be spread over 4 years as follows: YEAR 4
Provided the policy is in force as of the 3rd anniversary
ACCUMULATION INDEXED UL '15 with
CASH VALUE ENHANCEMENT OPTION (AIULC15) *
* Premiums received within the last 23 days of the first year that do not generate first year commission will generate renewal commission at 2%
RENEWAL COMMISSION
SURVIVORSHIP TERM
TERM 10 (2015)
50%
50%
FIRST YEAR BASE COMMISSION (% OF FIRST YEAR PREMIUM UP TO TARGET)50%
TERM 20 (2015)
TERM 15 (2015)
YEAR 4Provided the policy is in force as of the 3rd anniversary YEAR 3
Provided the policy is in force as of the 2nd anniversary YEAR 1
YEAR 3
Provided the policy is in force as of the 2nd anniversary
PREMIER LIFE '11
withCash Value Enhancement Option
