First order: 10 free leads Next drop 14h 23m 46s
IUL commissions are paid on the target premium, not on everything the client puts in. Money paid above target earns a much smaller excess rate. So a client paying $10,000 a year with a $4,000 target pays you mostly on the $4,000.
The target premium is set by the carrier based on age, health and face amount.
Selling a bigger face amount raises the target and your commission, but it has to fit the client’s goals.
IUL leads cost more than final expense leads because each sale is worth more. See IUL lead prices by age.
Updated October 2026. Industry ranges from public lead and commission guides. Your results depend on your carrier, contract, and dialing.
