Commission is paid as soon as the plan starts. If we then change the terms of the plan on completion of underwriting, additional commission may be paid or some may be clawed back. If an adviser is concerned about the small risk of a claw back, they have the option to start the plan on a non-indemnity commission basis. Once the underwriting is completed, they can change this back to indemnity terms in order to receive the rest of the commission as a lump sum.