Insurance Resources Group partners with agents and advisors nationwide — handling everything from quotes and case design to underwriting advocacy, so you can focus on what matters most: your clients.
Difficult medical histories, prior declines, complex underwriting situations — these are the cases that make or break agents' books. Our in-house underwriters and four decades of carrier relationships consistently secure better offers than agents can get on their own. It's not a side service — it's our specialty.
No fees. No commission splits. Just a team working as hard as you do on every case.
We run quotes and full carrier illustrations across all 45+ carriers and every product type — same day, every day.
We review your client's health, goals, and budget — then recommend the right product and carrier for the best outcome.
We act as your home office. All carrier contact, updates, and follow-ups go through us — not you.
We monitor and chase every outstanding requirement so your cases never stall without you knowing.
We only work with carriers rated A or higher by AM Best. Every partner on our roster has been chosen for financial strength, claims-paying ability, and a long-standing reputation for doing right by policyholders.
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Every carrier on our roster is rated A or higher by AM Best. Full roster shared with contracted agents.
When you work with IRG, you're backed by a full support structure — not just a contract.
Each case is assigned a manager who knows your client's file and personally handles every step post-submission.
Our in-house team pre-screens cases and prepares them for the best possible outcome before they ever reach a carrier.
Direct contracts with the carrier — we never sit in between you and your compensation. Best available commissions, paid straight to you. BGA contracts available to build your own team.
Affordable coverage for a set period
Indexed and universal life with downside protection
Guaranteed universal life — lifetime coverage
Permanent coverage with guaranteed cash value
Simplified end-of-life coverage
Joint policies for estate planning
LTC coverage with established carrier partners
Individual and group DI coverage
Sell existing policies to private & institutional buyers
Leverage strategies for large-face permanent policies
Coverage for businesses, partnerships, and associations
Retirement income & accumulation — some of the highest rates available
Get instant answers on products, underwriting guidelines, and carrier requirements — 24/7.
Access carriers offering accelerated and no-exam underwriting for fast client decisions.
Done-for-you marketing materials, co-branded collateral, and lead generation resources.