Membership Requirements

Professional success is just one of the pillars reflective of MDRT

levels of excellence. While members must meet a certain level of
premium, commission or income during the year, they must also
adhere to strict ethical standards. They must love helping others
with their financial needs, and ensuring that they are prepared in the
event of a catastrophe. MDRT members come together not for
accolades and personal gain, but to share how they provide peace of
mind, save lives, and protect the futures of clients.
 ANNUAL REQUIREMENTS FOR YEAR 2020

Qualifier Court of the Top of the Conversion

MDRT
In Rs. Table Table Factor

Commission 9,98,900 29,96,700 59,93,400 10.2979

Income 17,30,000 51,90,000 1,03,80,000 10.2976

Premium 39,95,600 1,19,86,800 2,39,73,600 20.5958

2019 QUALIFYING METHODS

Commission/Fee method
A minimum of USD 96,000 of eligible commissions paid is required.
Of this total, a minimum of USD 48,000 of paid commissions
(50 percent of the requirement) must come from products listed
in the Unlimited Credit category.
2019 QUALIFYING METHODS

Premium method
A minimum of USD 192,000 of eligible paid premium is required. Of this
total, a minimum of USD 96,000 of premium (50 percent of the
requirement) must come from products listed in the Unlimited Credit
category.
2019 QUALIFYING METHODS

Income qualification method

A minimum of USD 166,000 in annual gross income from the sale of
insurance and financial products is required. A minimum of USD 48,000
must be income from new business generated during the production year.

Further, a minimum of USD 48,000 must be derived from income

associated with risk-protection products (products eligible for Unlimited
Credit under the commission or premium methods). It is possible that the
same business, for example the sale of new life insurance policies, could
satisfy both requirements.
2019 QUALIFYING METHODS

Limited/Unlimited

Products outside of those sold by life insurance companies are

considered limited sources of production. These sources can count
toward qualification only after you have achieved at least 50 percent
of MDRT-qualifying production through unlimited means. For specific
examples, please see these full requirements.
CODE OF ETHICS

Members of the Million Dollar Round Table should be ever mindful

that complete compliance with and observance of the Code of
Ethics of the Million Dollar Round Table shall serve to promote the
highest quality standards of membership. These standards will be
beneficial to the public and the insurance and financial services
profession. Therefore, members shall:
CODE OF ETHICS

1. Always place the best interests of their clients above their own
direct or indirect interests.
2. Maintain the highest standards of professional competence by
seeking to maintain and improve professional knowledge, skills and
competence.
3. Hold in strictest confidence, and consider as privileged, all
business and personal information pertaining to their clients' affairs.
CODE OF ETHICS

4. Make full and adequate disclosure of all facts necessary to enable

clients to make informed decisions.
5. Maintain personal conduct which will reflect favorably on the
insurance and financial services profession and MDRT the Million
Dollar Round Table.
6. Determine that any replacement of an insurance or financial
product must be beneficial for the client.
7. Abide by and conform to all provisions of the laws and regulations
in the jurisdictions in which they do business.
 Membership Benefits

Since 1927, the Million Dollar Round Table (MDRT), has provided its
members around the world with access to valuable resources and a vast
network to help them achieve lifelong career success in the financial
services profession. MDRT members demonstrate exceptional
professional knowledge, strict ethical conduct and outstanding client
service. MDRT membership is recognized internationally as the standard
of excellence in the life insurance and financial services business.
Scroll down to see some of the opportunities you will have with MDRT
MDRT provides a combination of online resources, face-to-face
interactions and easily accessible industry insights that members are using
every day to increase their productivity, build their business, and
strengthen credibility and confidence among clients.

Every day, members are advancing their career by reinforcing the

importance of setting and achieving larger goals. MDRT’s ever-increasing
membership production requirements will inspire you to reach the higher
Court of the Table® and Top of the Table® membership levels.

MDRT will provide you with opportunities to rise as a leader. Members

can serve as volunteer leaders within the organization and can also
participate in the MDRT Foundation, where you can support charitable
causes and organizations you care about.
 Global Network

MDRT members in different countries come together to

learn from each other’s experiences, share ideas and stay
ahead of the curve.
 Round the Table Magazine

MDRT’s bimonthly publication zeroes in on trends and

opportunities specific to the financial services industry,
creating an in-depth look at how MDRT members are
overcoming challenges to optimize their success.
 Online Resources

The members-only section of the website houses the

Resource Zone, filled with educational content, videos,
MDRT podcasts, manuscripts from past MDRT meetings
and much more.
 Meetings

Learn from and be inspired by the best financial services

professionals from around the world at the MDRT Annual
Meeting, MDRT Global Conference and the Top of the Table
Annual Meeting. MDRT’s research shows when members are
engaged with MDRT and attend more meetings, they see an
increase in production over time.
 Whole Person Concept

MDRT encourages its members to balance their personal and

professional lives. Members achieve greater total success
when they are able to live more balanced and fulfilling lives,
and the principles of the Whole Person concept are
incorporated throughout the organization.
 MDRT e-Newsletter

Read the monthly e-newsletter emailed directly to all

MDRT members to harvest your peers’ proven business
ideas and concepts from a global perspective.
 Premium Rs.40
MDRT
Target Lakhs
44,00,000
Total Income

Bonus
&
Renewal
34,00,000
First
Commission
10,00,000

Any Full Credit Plan with 16yrs Ppt

 • 174 • 87
Pols Pols
5 10
Lakhs Lakhs
Sum
814 – 21 – 21 Assured
15 20
Lakhs Lakhs
• 58 • 44
Pols Pols
 • 127 • 64
Pols Pols
5 10
Lakhs Lakhs
Sum
814 – 16 – 16 Assured
15 20
Lakhs Lakhs
• 43 • 32
Pols Pols
 • 149 • 75
Pols Pols
5 10
Lakhs Lakhs
Sum
815 – 21 – 21 Assured
15 20
Lakhs Lakhs
• 50 • 38
Pols Pols
 • 109 • 55
Pols Pols
5 10
Lakhs Lakhs
Sum
815 – 16 – 16 Assured
15 20
Lakhs Lakhs
• 37 • 28
Pols Pols
 • 96 • 49
Pols Pols
5 10
Lakhs Lakhs
Sum
836 – 16 – 10 Assured
15 20
Lakhs Lakhs
• 32 • 25
Pols Pols
 • 149 • 75
Pols Pols
5 10
Lakhs Lakhs
Sum
836 – 21 – 15 Assured
15 20
Lakhs Lakhs
• 50 • 38
Pols Pols
 • 176 • 89
Pols Pols
5 10
Lakhs Lakhs
Sum
836 – 25 – 16 Assured
15 20
Lakhs Lakhs
• 59 • 45
Pols Pols
 • 102 • 51
Pols Pols
5 10
Lakhs Lakhs
Sum
845 – 15 Assured
15 20
Lakhs Lakhs
• 35 • 26
Pols Pols
 • 154 • 76
Pols Pols
5 10
Lakhs Lakhs
Sum
845 – 20 Assured
15 20
Lakhs Lakhs
• 51 • 37
Pols Pols
 • 205 • 106
Pols Pols
5 10
Lakhs Lakhs
Sum
845 – 25 Assured
15 20
Lakhs Lakhs
• 69 • 52
Pols Pols
 • 257 • 134
Pols Pols
5 10
Lakhs Lakhs
Sum
845 – 30 Assured
15 20
Lakhs Lakhs
• 87 • 65
Pols Pols
 • 37 Pols • 25
Pols
10 15
Lakhs Lakhs
Sum
848 – 14 – 10 Assured
20 25
Lakhs Lakhs
• 19 • 15
Pols Pols
 • 44 • 29
Pols Pols
10 15
Lakhs Lakhs
Sum
848 – 16 – 12 Assured
20 25
Lakhs Lakhs
• 22 • 18
Pols Pols
 • 50 • 34
Pols Pols
10 15
Lakhs Lakhs
Sum
848 – 18 – 14 Assured
20 25
Lakhs Lakhs
• 26 • 21
Pols Pols
 • 57 Pols • 38
Pols
10 15
Lakhs Lakhs
Sum
848 – 20 – 16 Assured
20 25
Lakhs Lakhs
• 29 • 23
Pols Pols
 • 4 Pols • 3 Pols

1 1.5
Crore Crores
Sum
847 – 14 – 10 Assured
2 3.5
Crores Crores
• 2 Pols • 1 Pol
 • 5 Pols • 3 Pols

1 1.5
Crore Crores
Sum
847 – 16 – 12 Assured
2 4.5
Crores Crores
• 2 Pols • 1 Pol
 • 5 Pols • 4 Pols

1 1.5
Crore Crores
Sum
847 – 18 – 14 Assured
2 5.10
Crores Crores
• 3 Pols • 1 Pol
 • 6 Pols • 4 Pols

1 1.5
Crore Crores
Sum
847 – 20 – 16 Assured
2 5.75
Crores Crores
• 3 Pols • 1 Pol
 • 80 Pols • 40 Pols

25 50
Lakhs Lakhs
Single
850 – S.P Premium
1 20
Crore Crores
• 20 Pols • 1 Pol
 • 445 • 267
Pols Pols
15 25
Lakhs Lakhs
Sum
905 – 30 – II Assured
30 50
Lakhs Lakhs
• 223 • 134
Pols Pols
 Joining as Ordinary
L.I.C Agent is Not Your Mistake

Continuing as Ordinary
L.I.C Agent is a Big Mistake

Aim for MDRT

Achieve TOT
NvM