Navigator Products Policy Fee Information

A policy fee is a fixed, often non-negotiable, administrative charge added to insurance premiums to cover the insurer's costs for issuing and maintaining the policy.

AmAm QSFP Policy Fee: $40 and is commissionable.

Banner Life BeyondTerm Policy Fee: $90 and is non-commissionable.

F&G Quantum Policy Fee: Deductions come from the account value. Charges are always taken from the most recent segments. The unit expense, contract fee, cost of insurance and cost of additional riders are deducted monthly.

• Maximum Information Report & Partial Surrender Service Fee: $25.00 each
• Expense Deducted from Premiums: 7% up to target premium, 12% excess premium above target (years 1-10); 5% (years 11+)
• Monthly Unit Expense (based on the higher of the current or initial face amounts): Charge varies by age, gender, class and policy year; paid for 15 policy years, F&G reserves right to assess in subsequent years.
• Monthly Contract Fee: $9.00
• Monthly Cost of Insurance & Additional Riders: Varies

SBLI EasyTrak Policy Fee: $50 and is non-commissionable. Modalized for premiums, not paid annually.

UHL QSFC Policy Fee: $50 and is commissionable.