Description: This literature guide focuses on the distribution costs, especially the field compensation costs, that are incurred through the traditional general agency, branch office or brokerage structures for individual life, annuity and disability products.

Description: This general discussion looks at problems or solutions developed in the field of agents' compensation, considerations leading companies to recent reductions in individual annuity rates, trend to offer first year cash values, increasing demand for the issuance of insurance at ages up to 70 and beyond, and if the SOA should give consideration to elective subjects in the Fellowship exam.