Retirement benefit payment that does not depend on whether a participant continued in specific employment. A plan participant may receive payment if he or she leaves the plan.

Renewal insurance commissions paid to insurance agents or their estates regardless of whether the agents stay with the issuing insurance company.
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Commissions paid to an agent regardless of whether they still work for the insurer, based on renewal business.
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Commissions on renewal business that are paid to the agent whether or not he or she still works for the insurance company with which the business is placed.

Funds (reserves) that remain owned (vested) by the insured and which cannot be used by the insurance company except for paying refunds or claims.

Terms set down in an employment agreement stating the time period and dollar amount when retirement or other benefits will begin and the rate of increase.