Just remember the trail commission is discounted from memory...

Just remember the trail commission is discounted from memory using 13% or something like that so over the period of the policy they will actually receive a lot more cash amount than 57m.

It would be reasonable to assume the trail commission this year will be higher than last years given the increase in trail book last year, especially when you consider the timing, unless lapse rate has accelerated. But as time goes on this will decrease with no new policies.