We, Insight Private Clients Ltd, act as Intermediary between you, the client, and the product provider with whom we place your business.

Our fees are structured in a manner to ensure our impartiality at all times, eliminate conflict of interests, and support the long term nature of our Client relationships. The fee structure(s) available and appropriate to you will depend on the size and nature of your assets and will be discussed in detail prior to the commencement of services from Insight Private Clients Ltd.

The Background

Pursuant to provisions 4.58A of the Central Bank of Ireland’s September 2019 Addendum to the Consumer Protection Code, all intermediaries, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the intermediary which it has agreed with its product producers.

What is Remuneration?

Remuneration is the payment earned by the Intermediary for work undertaken on behalf of both the provider and the client. The amount of remuneration is generally directly related to the value of the tasks undertaken and Contracts initiated.

What is Commission?

Where applicable, commission is payment that may be earned by an intermediary for work undertaken for both provider and client. There are different types of remuneration and different commission models:

Single Commission model: where payment is made to the intermediary shortly after the inception of a Contract is completed and is based on a percentage of the premium paid/amount invested.

Trail/Renewal commission model: Further payments may be made at intervals and may be paid throughout the life of the relevant Contract.

Indemnity Commission

Indemnity Commission is the term used to describe a commission payment made before the commission is deemed to be ‘earned’. Indemnity commission may be subject to a clawback if the client lapses or cancels the product before the commission is deemed to be earned.

Life Assurance/Investments/Pension Products

For Life Assurance Contracts, commission is divided into initial commission and renewal commission (related to contribution), fund based or trail (related to accumulated fund).

Trail commission, bullet commission, fund based, flat commission or renewal commission are all terms used for ongoing payments. Where an investment portfolio is structured through an insurance-based investment product or a pension product, commission may be based on a percentage of the value of the fund or the annual premium. For single premium/lump sum vehicles, commission may be based on the value of the fund.

Life Assurance products fall into either individual or group protection policies and Investment/Pension Products would be either single or regular contribution policies. Examples of products include Life Protection, Regular Premium Life Assurance Investments, Single premium (lump sum) Insurance based Investments, and Single Premium Pensions.

Remuneration payable (shown within a range or maximum percentages) as specified on the Summary for each Company & their Products listed below is at the Intermediary’s discretion.


Investments firms, which fall within the scope of the European Communities (Markets in Financial Instruments) Regulations 2007 (the MiFID Regulations), offer both standard commission and commission models which vary to the standard involving initial and trail commission. Increments may be based on a percentage of the investment management fees, or on the value of the fund.


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 Contract within the specified time, the intermediary must return commission to the product producer.

Below are a list of the Companies that our firm deals with. Please note such details contained therein are generic as opposed to the individually tailored proposition from Insight Private Clients Ltd. The attachments provide information on commission payable on a maximum basis. However, it should be noted that business transacted through Insight Private Clients Ltd may not necessarily fall within these standard categories of remuneration as outlined. Therefore, please note that any earnings payable to Insight Private Clients Ltd are based upon each individual case and are communicated to the client at the meeting during which the inception of the Contract is agreed.

Click on a link below to access a list of the Providers that our firm deals with, which for ease of reference is in alphabetical order.

Insight Private Clients Ltd remuneration options are displayed as a range, showing a maximum amount which can be received. The level of remuneration depends on individual circumstances, based on the following factors:

  • Intermediary discretion
  • Whether the level of remuneration is negotiable
  • Length of time of the Policy
  • Amount of investment
  • Length of investment
  • Commercial decision
  • Complexity of the Case
  • Product constraints by the Product Provider