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Full Comp Board

Reign Financial · MoO · SBLI · Americo · UHL · Transamerica · from MyUniTrust, Sep 2026

How to read this. Every product pays a set percentage of your UFG contract level. 100% = full comp — a $1,200 AP case pays your whole level on it. Lower percentages are the carrier's haircut for easier underwriting or older ages — same work, smaller check. Advances are 75% up front on everything, capped per policy (cap column). Type your level above and every number on this page becomes your actual first-year comp. (Double-check anytime at MyUniTrust → My Profile → Life Commissions.)

The full-comp list — lead with these

Mutual of Omaha
Term Life Express100% of level
IUL Express100% of level
SBLI · Quility
Quility Term — 20 yr100% of level
Quility Term — 30 yr100% of level
Americo
Payment Protector100% of level
TERM 125100% of level
Transamerica
FE Express Solution100% of level

These pay 100% of your contract level — when a client fits two products, pick from here. Notice the pattern: 20–30-year term and the flagship FE/IUL products pay full; 10-year terms, graded/modified FE, and 80+ ages all pay less. When a client fits two products, this list is the tiebreaker.

Every product, every carrier

100% — full comp 80–99% 60–79% under 60% — know why before you write it

MUTUAL OF OMAHA

ProductType% of your levelCap
Indexed Universal Life Express (Target Premium) FULLSimplified Universal Life100%$2500
Term Life Express FULLSimplified Term100%$2500
Final Expense Age 45-80Final Expense Whole Life87%$2500
Children's Whole LifeSimplified Whole Life83%$2500
IUL Income Advantage & IUL Life Protection Advantage (Target Premium)Simplified Universal Life80%$2500
Term Life Answers 20 & 30Fully Underwritten Term73%$2500
Accum UL Answers  GUL (Target Premium)Simplified Universal Life60%$2500
Term Life Answers 15Fully Underwritten Term59%$2500
Final Expense Graded Ages 40-80Final Expense Whole Life51%$2500
Final Expense Ages 81-85Final Expense Whole Life48%$2500
Term Life Answers 10Fully Underwritten Term44%$2500

SBLI (QUILITY TERM)

ProductType% of your levelCap
Quility 20 Year Level Term FULLSimplified Term100%$2500
Quility 30 Year Level Term FULLSimplified Term100%$2500
Quility Term 20+ year FULLSimplified Term100%$2500
Quility 15 Year Level TermSimplified Term87%$2500
Quility Term 10 yearSimplified Term87%$2500
Quility Term 15 yearSimplified Term87%$2500
Quility Accidental Death Benefit RiderSimplified Term83%$2500
Quility 10 Year Level TermSimplified Term80%$2500
Quility Child/Grandchild RiderSimplified Term10%$2500

AMERICO

ProductType% of your levelCap
PAYMENT PROTECTOR FULLSimplified Term100%$1500
TERM 125 FULLSimplified Term100%$1500
CONTINUATION 25Simplified Term93%$1500
CBO100Simplified Term87%$1500
CBO50Simplified Term87%$1500
Instant Decision IULSimplified Universal Life87%$1500
TERM 100Simplified Term87%$1500
ADBSimplified Term80%$1500
CONTINUATION 10Simplified Term80%$1500
EAGLE SELECT 1 Ages 60-80Final Expense Whole Life80%$1500
EAGLE SELECT 2 Ages 60-80Final Expense Whole Life80%$1500
PAYMENT PROTECTOR CONTINUATIONSimplified Term80%$1500
AMERICO ADVANTAGE WLSimplified Whole Life73%$1500
DECREASING TERMSimplified Term73%$1500
EAGLE SELECT 1 Ages 40-59Final Expense Whole Life67%$1500
EAGLE SELECT 1 Ages 81-85Final Expense Whole Life67%$1500
EAGLE SELECT 2 Ages 40-59Final Expense Whole Life67%$1500
EAGLE SELECT 2 Ages 81-85Final Expense Whole Life67%$1500
EAGLE SELECT 3 Ages 60-80Final Expense Whole Life47%$1500
EAGLE SELECT 3 Ages 40-59Final Expense Whole Life40%$1500

UNITED HOME LIFE

ProductType% of your levelCap
Provider WLSimplified Whole Life87%$2000
TermSimplified Term87%$2000
Express IssueFinal Expense Whole Life73%$2000
Protector ADOther73%$2000
GIWLFully Underwritten Whole Life33%$2000

TRANSAMERICA

ProductType% of your levelCap
FE EXPRESS SOLUTION FULLFinal Expense100%$1500
LIFETIME WLWhole Life87%$1500
IMMEDIATE SOLUTIONFinal Expense80%$1500
TRENDSETER LB - 20/25/30 YRTerm80%$1500
TRENDSETTER LB - 15 YRTerm67%$1500
TRENDSETTER SUPER - 20/25/30 YRTerm67%$1500
10 PAY SOLUTIONFinal Expense64%$1500
TRENDSETTER SUPER - 15 YRTerm60%$1500
FCIULUl Product53%$1500
FFIULUl Product53%$1500
TRENDSETTER SUPER - 10 YRTerm53%$1500
GRADED FE EXPRESS SOLUTIONFinal Expense51%$1500
TRENDSETTER LB - 10 YRTerm47%$1500
EASY SOLUTIONFinal Expense24%$1500

Name decoder — grid name vs what we call it

What we sayWhat the grid calls it% of level
MoO Living Promise (Level)Final Expense Age 45-80 / Ages 81-8587% / 48%
MoO Living Promise (Graded)Final Expense Graded Ages 40-8051%
MoO TLE (any term length)Term Life Express — one rate for all100%
Americo HMS / mortgage termPayment Protector (+ Continuation riders)100% / 80-93%
SBLI Quility TermTwo families: "Quility X Year Level Term" and "Quility Term X year" — 20yr+ pays full in both100%

Not published in the grid at all: Americo Eagle Premier and UltraProtector — we write Eagle Premier, but the portal only lists Eagle Select comp. If you're quoting margins on one of these, confirm with your upline first.

Traps worth knowing: Transamerica Easy Solution pays 24% of level — the same carrier also pays 100% on FE Express Solution. The 10-to-15-point jump from a 10-year to a 20-year term shows up on almost every carrier.