Remuneration

Remuneration Summary Document – Atlantic Wealth Management Ltd

I act as an intermediary in relation to the provision of various financial products. The Consumer
Protection Code requires that, as an intermediary, I make available a Remuneration Summary
Document providing information in relation to any fee, commission, other reward or remuneration
received from product producers.

Commission Payments

I am remunerated for my services as an intermediary by the receipt of commission paid by the
product producer with whom I have an agency. The amount of commission paid may vary depending
on a number of factors, including the type of product sold and the length of time it is intended to last.
Commission rates may vary from transaction to transaction.
I can earn potential uplift in commissions of up to 30% subject to proactive customer care and service.

Explanation of various terms

Below is an explanation of a number of common terms used in relation to the payment of commission.
These terms are used in Appendix A.

Initial Commission: The commission paid when a customer first purchases an insurance
product. For single premium products it is expressed as a percentage of the premium paid. For
regular premium products, it is expressed as a percentage of the total premiums expected to be
paid in the first year of the contract.

Trail Commission: An annual commission payment generally expressed as a percentage of
the value of the client’s fund at the time of payment.

Renewal Commission: an annual commission payment expressed as a percentage of the
annual premium or annual contribution at the time of payment.

Clawback: Clawback is an obligation on the intermediary to repay unearned commission.
Commission can be paid directly after a contract is concluded but is not deemed to be earned
until after a specified period of time. If the consumer cancels or withdraws from the financial
product within the specified time, the intermediary must return commission to the product
producer.

Conflict of Interest:
I operate a conflicts of interest policy and no payment or benefit can be accepted from a product producer if it
could cause me to act contrary to your best interests. In addition, I only accept non-monetary benefits from a
product producer where that benefit is designed to enhance the quality of the service provided to customers.

Atlantic Wealth Management Ltd is regulated by the Central Bank of Ireland. Altantic Wealth Management Ltd is
tied to Irish Life Assurance plc for life and pensions business. Irish Life Assurance plc, trading as Irish Life is
regulated by the Central Bank of Ireland.

Updated: March 2026.