In the insurance industry, your income is not just a one-time commission — it’s a lifetime earning opportunity that rewards your efforts year after year.
💼 How You Earn MDRT
Your remuneration is paid in the form of commission, calculated as a percentage of the premium collected through the policies you sell.
✅ Royalty-based income:
As long as the policyholder pays the premium, you continue to earn.
✅ Hereditary benefit:
Your commission is passed on to your nominee even after your demise.
Remuneration Structure for Insurance Agents
Commission Rates on Regular Premium Policies
To qualify for MDRT, an insurance agent must meet the prescribed First Year Commission or First Year Premium benchmarks (excluding bonus commissions) within a calendar year:| Membership Level | First Year Commission (₹) | First Year Premium (₹) |
|---|---|---|
| MDRT (Basic) | 8,74,000 | 34,96,000 |
| Court of the Table (COT) | 26,22,000 | 1,04,88,000 |
| Top of the Table (TOT) | 52,44,000 | 2,09,76,000 |
Commission Example – Endowment Policy (15+ Years Term)
| Membership Level | First Year Commission (₹) | First Year Premium (₹) |
|---|---|---|
| MDRT (Basic) | 8,74,000 | 34,96,000 |
| Court of the Table (COT) | 26,22,000 | 1,04,88,000 |
| Top of the Table (TOT) | 52,44,000 | 2,09,76,000 |