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Campaign Rules - Company Specific

Campaign Rules
Rule 1 – Campaign Period

Qualification Period – January 1, 2019 through April 30, 2020

Rule 2 – Minimum Life Qualifications

For each couple or single attendee, a minimum of 10 Life Company policies (life, health and/or annuities) producing $1,000 or more of first year commission credit must be received in our home office on or before April 30, 2020 and put in force by June 15, 2020.

Although every effort is made to accommodate all qualifying travelers, a limited amount of space is available. In order to receive priority reservations, it is highly recommended the minimum Life Company business requirements be met by November 30, 2019.

Rule 3 – Eligible Lines Of Business

All eligible P & C premium growth, including Atlantic Casualty and Auto-Owners Specialty Insurance Company business, will go toward reducing the buy-in cost to travel. No minimum P & C amount of business is required, but all growth in premium helps to reduce the cost to the agency to travel.

Eligible lines for P & C include all lines of insurance except:

  • Flood
  • Residual market business
  • Atlantic Casualty North Carolina Reinsurance Facility Business

A change in structure of an agency does not necessarily result in a premium increase/decrease. When such a change takes place, adjustments will be made to achieve equity for all parties.

Rule 4 – Credit For Property And Casualty Policies

Any one policy will be capped at +/-$20,000 with the exception of Workers Compensation policies, which will be capped at +/-$10,000 for any one policy. Audits will be capped at +/- $5,000.

Rule 5 – Retention Ratio

Each month, your agency’s personal lines retention ratio will be compared to the state average personal lines retention ratio, and if your ratio is higher than the state average, you will earn bonus premium to reduce your buy-in amount. In addition, your agency’s commercial retention ratio will be compared to the state average commercial retention ratio, and if higher, will earn bonus premium similarly to personal lines.

Rule 6 – Life New Business Rules

Campaign credit will be given for first-year commission credit on signed life, health and Item 500/501 annuity applications received in our home office between January 1, 2019 and April 30, 2020, resulting in an issued and paid-for policy by June 15, 2020. Policy count and commission credit on an Item 500/501 annuity policy will be given with a minimum initial premium payment of $2,000. (This rule does not apply to money received under SEP or SIMPLE plans.)

In all cases, the maximum life, health and annuity commission credit that will be allowed on any one insured person or annuitant is $2,000 per line of business (Life, Disability Income, LTC, Annuity). A maximum of one policy count will be allowed for each individual, for each line of business of Auto-Owners Life Company. Permanent life insurance (Universal Life or Whole Life) and term life insurance (not including Simplified Issue products) with a minimum death benefit of $100,000 each shall be counted as two different lines of business, and earn a policy count for each.

Example: If a term policy over $100,000 death benefit and a Whole Life policy over $100,000 death benefit were issued for the same individual, campaign policy count credit will be 2. If two term policies were issued for the same individual, the campaign policy count credit will be 1.

A term policy issued during a previous campaign and converted to a permanent policy (not including simplified issue products) will receive policy count and campaign commission credit as described in Rule 8.

Rule 7 – Premium On Existing Annuities

First-year commission paid on Item 500/501 Annuity premiums received in our home office between January 1, 2019 and April 30, 2020, will earn commission credit. 

Example: An $8,000 annual premium Item 500/501 deferred annuity policy, paid quarterly, that was issued two months before the campaign began, will earn commission credit on the 2nd, 3rd and 4th quarterly premium payments paid during the campaign period. Annuity premiums must be paid during the campaign period to earn commission credit.

A premium payment of $5,000 or more to an existing Item 500/501 Roth or Traditional IRA, or $8,000 or more to any 500/501 non-qualified annuity, SEP or SIMPLE plan, earns a first-year commission credit and a policy count (subject to Rule 6, maximum one policy count per annuitant during campaign).

Deferred annuities of $25,000 to $100,000, currently written with the Life Company, which are converted to a settlement option during the campaign will earn one policy count and campaign commission credit of $100 toward this campaign. Settlement options of $100,000 or more will earn one policy count and campaign commission credit of 1% of the total value at time of conversion.

Rule 8 - Life Policy Count Credits

Perma Term 2 and 3 Universal Life, Long-Term Care Insurance and Disability Income Insurance will earn policy count credit calculated at 150%.

Five Year Simplified Issue Term policies will earn policy count credit calculated at 50%.

Single Premium Immediate Annuities of $100,000 or more will earn policy count credit calculated at 200%.

All other policies will earn policy count at 100%.

Rule 9 – Policies Must Be In Force For Credit

Life and health policies for which commission credit was given, that are not in force on June 15, 2020 will be deducted.

Rule 10 – Advanced Premium Accounts

Money deposited into an Advanced Premium Account will only receive first year commission and campaign credit when it is transferred to the policy as a payment during the first policy year.

Rule 11 – Policies On Self, Dependent Family Member, Agency Personnel

Life and Disability Income insurance applications received after November 30, 2019, owned by or on the lives of agents and agency employees must have the first two years’ premium paid at time of issue to receive campaign credit. For Long-Term Care Insurance and Universal Life, only one year’s premium is required under this rule. This rule does not apply to annuities, Single Premium Whole Life or 10 Pay Whole Life.

Rule 12 – Persons Eligible For Travel

Persons eligible for travel: licensed agent and spouse/guest, key agency employee and spouse/guest. Children and grandchildren of agency employees are welcome on family-designated Huntington Beach trips.

A key agency employee must be a full-time employee of the agency to qualify. A full-time employee must be currently employed for a minimum period of six months prior to travel time. Agency and all travelers must be active and in good standing with the company at the time of the trip. Any agency whose monthly account is not in satisfactory condition at travel time will be disqualified.

Rule 13 – No Substitute Arrangements

No substitute arrangements nor cash payments can be made in lieu of the accommodations furnished you by the company. Auto-Owners pays travelers’ airfare, accommodations, certain meals (shown in final itinerary), tips and service charges for all group activities, plus expenses for all events listed in the final itinerary furnished by the company. All other expenses, such as beverages, extras ordered at table, in-room mini bars, laundry, telephone calls or items of a personal nature must be paid by the individual incurring such charges.

Rule 14 – General Intent

The rules and conditions set forth on this site convey the company’s general intent. Should any circumstances arise bringing about inequities for travelers and/or the company, the company reserves the right to modify rules for any individual or for the traveling group. Should unsettled international conditions or other factors arise, the company reserves the right to modify or terminate the program, but will substitute other destinations or arrangements of equal value. The company reserves the right to modify the rules in order to maintain regulatory compliance.

Campaign Rules
Rule 1 – Campaign Period

Qualification Period – January 1, 2019 through April 30, 2020

Rule 2 – Minimum Qualifications

For each couple or single attendee, a minimum of $50,000 increase in written premium compared to the previous campaign period will be required. The increase will include all premium on in force policies as of April 30, 2020.

Rule 3 – Eligible Lines Of Business

All eligible P & C premium growth will go toward reducing the buy-in cost to travel. All lines of business, including Auto-Owners Specialty Insurance Company, are eligible except:

  • Atlantic Casualty North Carolina Reinsurance Facility Business

A change in structure of an agency does not necessarily result in a premium increase/decrease. When such a change takes place, adjustments will be made to achieve equity for all parties.

Rule 4 – Credit For Property And Casualty Policies

Any one policy will be capped at +/-$20,000. Audits will be capped at +/- $5,000.

Rule 5 – Policies Must Be In Force For Credit

Policies must be effective by April 30, 2020 and received by Atlantic Casualty by June 15, 2020. Policies for which campaign credit was given, that are not in force on June 15, 2020 will be deducted.

Rule 6 – Persons Eligible For Travel

Persons eligible for travel: licensed agent and spouse/guest, key agency employee and spouse/guest. Children and grandchildren of agency employees are welcome on family-designated trips. A key agency employee must be a full-time employee of the agency to qualify.

A full-time employee must be currently employed for a minimum period of six months prior to travel time. Agency and all travelers must be active and in good standing with the company at the time of the trip. Any agency whose monthly account is not in satisfactory condition at travel time will be disqualified.

Rule 7 – No Substitute Arrangements

No substitute arrangements nor cash payments can be made in lieu of the accommodations furnished you by the company. Auto-Owners pays travelers’ airfare, accommodations, certain meals (shown in final itinerary), tips and service charges for all group activities, plus expenses for all events listed in the final itinerary furnished by the company. All other expenses, such as beverages, extras ordered at table, in-room mini bars, laundry, telephone calls or items of a personal nature must be paid by the individual incurring such charges.

Rule 8 – General Intent

The rules and conditions set forth on this site convey the company’s general intent. Should any circumstances arise bringing about inequities for travelers and/or the company, the company reserves the right to modify rules for any individual or for the traveling group. Should unsettled international conditions or other factors indicate that modification or termination appear advisable, the company reserves the right, but will substitute other destinations or arrangements of equal value. The company reserves the right to modify the rules in order to maintain regulatory compliance.

Campaign Rules
Rule 1 – Campaign Period

Qualification Period – January 1, 2019 through April 30, 2020

Rule 2 – Minimum Life Qualifications

For each couple or single attendee, a minimum of 10 Life Company policies producing $1,000 or more of first-year commission credit must be received in our home office on or before April 30, 2020 and put in force by June 15, 2020. Although every effort is made to accommodate all qualifying travelers, a limited amount of space is available. In order to receive priority reservations, it is highly recommended the minimum Life Company business requirements be met by November 30, 2019.

Rule 3 – Eligible Lines Of Business

All eligible P & C premium growth (including Atlantic Casualty and Auto-Owners Specialty Insurance Company business) will go toward reducing the buy-in cost to travel. No minimum P & C amount of business is required, but all growth in premium helps to reduce the cost to the agency to travel. 

Eligible lines for P & C include all lines of insurance except:

  • Flood
  • Residual market business
  • Atlantic Casualty North Carolina Reinsurance Facility Business

A change in structure of an agency does not necessarily result in a premium increase/decrease. When such a change takes place, adjustments will be made to achieve equity for all parties.

Rule 4 – Credit For Property And Casualty Policies

Any one policy will be capped at +/-$20,000. Audits will be capped at +/- $5,000.

Rule 5 – Retention Ratio

Each month, your agency’s personal lines retention ratio will be compared to the state average personal lines retention ratio, and if your ratio is higher than the state average, you will earn bonus premium to reduce your buy-in amount. In addition, your agency’s commercial retention ratio will be compared to the state average commercial retention ratio, and if higher, will earn bonus premium similarly to personal lines.

Rule 6 – Life New Business Rules

Campaign credit will be given for first-year commission credit on signed life applications received in our home office between January 1, 2019 and April 30, 2020, resulting in an issued and paid-for policy by June 15, 2020. In all cases, the maximum life commission credit that will be allowed on any one insured person is $2,000 per line of business. A maximum of one policy count will be allowed for each individual, for each line of business of Auto-Owners Life Company. Permanent life insurance (Universal Life or Whole Life) and term life insurance with a minimum death benefit of $100,000 each shall be counted as two different lines of business, and earn a policy count for each.

Example: If a term policy over $100,000 death benefit and a Whole Life policy over $100,000 death benefit were issued for the same individual, campaign policy count credit will be 2. If two term policies were issued for the same individual, the campaign policy count credit will be 1.

A term policy issued during a previous campaign and converted to a permanent policy (not including simplified issue products) will receive policy count and campaign commission credit as described in Rule 7.

Rule 7 - Life Policy Count Credits

Production for Perma Term 2 and 3 Universal Life will earn application count credit calculated at 150% credit. All other policies will earn policy count at 100%.

Five Year Simplified Issue Term policies will earn policy count credit calculated at 50%.

Rule 8 – Policies Must Be In Force For Credit

Life and health policies for which commission credit was given, that are not in force on June 15, 2020 will be deducted.

Rule 9 – Policies On Self, Dependent Family Member, Agency Personnel

Life insurance applications received after November 30, 2019, owned by or on the lives of agents and agency employees must have the first two years’ premium paid at time of issue to receive campaign credit. For Universal Life, only one year’s premium is required under this rule. This rule does not apply to Single Premium Whole Life or 10 Pay Whole Life.

Rule 10 – Persons Eligible For Travel

Persons eligible for travel: licensed agent and spouse/guest, key agency employee and spouse/guest. Children and grandchildren of agency employees are welcome on family-designated Huntington Beach trips. A key agency employee must be a full-time employee of the agency to qualify. A full-time employee must be currently employed for a minimum period of six months prior to travel time. Agency and all travelers must be active and in good standing with the company at the time of the trip.

Rule 11 – No Substitute Arrangements

No substitute arrangements nor cash payments can be made in lieu of the accommodations furnished you by the company. Auto-Owners pays travelers’ airfare, accommodations, certain meals (shown in final itinerary), tips and service charges for all group activities, plus expenses for all events listed in the final itinerary furnished by the company. All other expenses, such as beverages, extras ordered at table, in-room mini bars, laundry, telephone calls or items of a personal nature must be paid by the individual incurring such charges.

Rule 12 – General Intent

The rules and conditions set forth on this site convey the company’s general intent. Should any circumstances arise bringing about inequities for travelers and/or the company, the company reserves the right to modify rules for any individual or for the traveling group. Should unsettled international conditions or other factors indicate that modification or termination appear advisable, the company reserves the right, but will substitute other destinations or arrangements of equal value. The company reserves the right to modify the rules in order to maintain regulatory compliance.