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If you've already contracted with Settlers...it's too late to worry about the level of your commissions/renewals now! Ask your IMO what you're getting, because it's up to each IMO what kind of deal you get.Thank you, I will now study the app, so as to see the diff between Gold and Silver plans. Settlers sent me a quick quoter for Silver 2 plan. So that tells me they sell alot of this product. I did look at the ht and wgt chart. I'm so new I have to ask these questions. So it's the lack of a policy fee, smaller face amounts and the chart. How about the commission renewals ?....competitive ?