Mortgage Protection --kickback

Hi outthere,
I've decided to give the "term life with living benefits" a twist with the "mortgage protection' pitch. As I'm outreaching to realtors, I'd like to know your thoughts on adding an "incentive" , to the realtors in order to facilitate the leads.
What do you thing of a percentage incentive of the commission and what number would you consider reasonable?
I know this question may offend somebody, but let's be real!
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