How it's worked out
MDRT's Singapore table puts TOT at six times the MDRT figure, under every method. For 2027 membership, on business paid to you in 2026:
| Method | MDRT | TOT |
|---|---|---|
| Commission | S$75,800 | S$454,800 |
| Premium | S$227,400 | S$1,364,400 |
| Income | S$131,300 | S$787,800 |
As with COT, the risk-protection rule stays at the MDRT level: S$37,900 of commission from risk-protection products before anything else counts.
Worked example, with made-up case sizes: at S$1,500 of first-year commission a case, S$454,800 is 304 cases, about 6 a week across 48 working weeks. At S$5,000 a case it's 91 cases, under 2 a week. Case size changes the count more than anything else you can move.
TOT dues are US$1,150: MDRT's US$600 plus US$550. A member with 10 years at TOT who falls short one year can apply under a TOT waiver, and still pays TOT dues.
Where it shows up in your week
At TOT the weekly number is small and each case is large, so one slipped case shows. The MDRT calculator shows the gap to TOT and what each week and month still needs.
Related terms
Questions advisors ask
For 2027 membership, S$454,800 in commission, S$1,364,400 in premium or S$787,800 in income, paid to you in 2026.
With 10 years at TOT, you can apply under a TOT waiver for that year. You still pay TOT dues.
US$1,150 a year: US$600 for MDRT plus US$550.