Remuneration Policy

We operate a transparent charging structure. As an Insurance Intermediary, our principal method of remuneration is by commission and other payments from the Product Producers with whom business is placed. Summary details of these payments will be included in the product information document, which you will receive before a proposal for a product is completed. Extended details will be included in your policy document pack and you may also refer to our Commission Summary Document in the link below.

You also have the option to pay for our services on a Fee Basis and/or by way of a combination of commissions and fees. Our basic hourly rate is €250 per hour for Principal/Certified Financial Planner;  €150 for QFA Account Manager;  €100 per hour for Support Staff and €250 per hour for Corporate Financial planning. The first consultation/meeting is held in our offices and is held at our expense. We may charge additional fees for more complex cases or to reflect specialist skills or urgency. We will confirm and agree any higher fees with you in advance of providing our service to you and these will be disclosed in advance to you.  If we receive commission from a Product Provider, this will be offset against the fee we charge you. Once the insurance has been arranged, any fees paid are non-refundable.

Document containing details of the standard commission payable by the Life Companies we deal with:

SFP Commission Summary Document April 2020

Links to standard commission for the individual Life Companies we deal with:

Aviva Life & Pensions:    Aviva Commission Summary
BCP:   BCP Commisison Summary 2020
Irish Life:   Irish Life Commission Summary and Irish Life CPC
New Ireland:   New Ireland Commission Summary
Royal London:   Royal London PHI Commission and Royal London Protection Commission Summary
Standard Life:   Standard Life Commission Summary 1 and Standard Life Commission Summary 2
Zurich Life:   Zurich Life Commission Summary
Wealth Options:   Wealth-Options-Wholesale-Fee-Schedule

Terms of Business

Our current Terms of Business is attached