Group policy commissions are paid each year the policy remains inforce. Commission percentages for GCI are based on the percentage of premium paid by you and/or your employees. Standard Base Commissions may also include a first-year, one-time payment for each line of coverage. Refer to the chart for specific percentages and payments.

Rules for broker of record changes on employee paid plans with issue age rates.

A broker may also qualify for Supplemental Commissions paid by Unum. For Group insurance products, Supplemental Commissions may be paid in an amount equal to a fixed percentage of total group insurance premiums. The Supplemental Commissions for employer-paid GCI is eligible for both new sales and premium payment rates and may range from 0% to 5%. Employee-paid GCI is eligible for only the GCI premium payment rate on both first year and renewal premium and may range from 0% to 1.25%. The exact Supplemental Commissions percentage payable to any broker is based upon the total dollar amount of all group insurance premium sold and group and voluntary insurance premiums or number of group policies that broker had in force with Unum in the prior calendar year. Supplemental Commissions may be calculated differently for other insurance products. Supplemental Commissions are not charged directly to policies. Therefore, the premium you pay is not impacted if your broker receives Supplemental Commissions.

A broker may also qualify for the 2009 Enrollment Supplemental Commissions program. The Enrollment Supplemental Commissions percentage payable to any broker is based upon the total dollar amount of all Voluntary Benefits (VB) and GCI premiums the broker sold or had inforce with Unum in the prior calendar year.

Enrollment Supplemental Commissions may include $1 per application for using Unum's laptop enrollment system. Supplemental Commissions are not charged directly to policies. Therefore, the premium you or your employees pay is not impacted if your broker receives Supplemental Commissions.