This case is referred to you for approval due to fronting fee 2.5% which is lower than the guideline.
Fronting fee was in fact 5% however due to pressure from the agent we need to agree higher commission from 5% to 7.5% resulting in lower fronting fee from 5% to 2.5% or impact on RI commission (THB 17,130). We do fac RI on 3 policies from 5% to 15% as below.