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Welcome to RL360's

dedicated financial adviser website

For financial advisers only

Not to be distributed to, or relied on by, retail clients

Sustainable Business Calculator

Many advisers around the globe are reducing their reliance on "initial" commissions. RL360 is committed to supporting you through this transition to a better business model, one where long-term value through ongoing commission or fees can ultimately lead to a more profitable and sustainable business in the future.

Return to Adviser Transition landing page:

Adviser transition


Display currency is only for output. No currency conversion takes place.

This is the region in which your head office is registered.

Lump sum & regular payment must add up to 100%. Numeric characters only between 0-100.
Lump sum & regular payment must add up to 100%. Numeric characters only between 0-100.

Populate with your business split between lump sum and regular payment plans. This split must consider inforce plans and new business sales. The underlying assumption is that the business mix remains the same across the 10 year period.

2018 ActualChange 2019 Change p.a ongoing

Numeric characters only and must be greater than 0.

This is your actual inital commission earnings for 2018.

Numeric characters only between -100 and 100 (to 2 decimal places).

This is the percentage by which your 2018 initial commissions earnings are likely to change.

Numeric characters only between -100 and 100 (to 2 decimal places).

This is the year on year percentage from 2020 to 2028 by which your 2019 initial commissions earnings are likely to change.

Numeric characters only and must be greater than 0.

This is the amount of money you earned in 2018 from ongoing fees or investment advice fees. This income is assumed to be earned on an annual basis until the policy lapses, surrenders etc.

Numeric characters only between -100 and 100 (to 2 decimal places).

This is the percentage by which your 2018 ongoing fee income is likely to change.

Numeric characters only between -100 and 100 (to 2 decimal places).

This is the year on year percentage from 2020 to 2028 by which your 2019 ongoing fee income is likely to change.

Numeric characters only.

This is your actual expenses for your business in 2018. This includes any costs incurred during the year either to acquire new business or maintain the business.

Numeric characters only between -100 and 100 (to 2 decimal places).

This is the percentage by which your 2018 expenses are likely to change.

Numeric characters only between -100 and 100 (to 2 decimal places).

This is the year on year percentage from 2020 to 2028 by which your 2019 expenses are likely to change.



Important notes

Future inflation will impact the value of profits shown.


This tool can only provide an indication as to your future revenues, expenses and profits, many other factors could affect the performance of your business and therefore should not be relied upon solely to make business decisions.