Our story

Forty years of doing it right.

Insurance Resources Group was built on a simple idea: agents deserve a partner who actually does the work — not a middleman who takes a cut and disappears. Four decades later, that's still our north star.

1983
Founded · four decades and counting
45+A-rated carriers
Any caseWe'll find a solution for every type of case
$Hundreds
of Millions
In production across our agents
100%Commission passed through

Built by agents, for agents.

Global Insurance Resources Group, Inc. — known to the industry simply as IRG — started in 1983 with one founding belief: independent agents and producers deserve a partner who actually does the work, finding them the lowest premium rates, securing the best commissions, and never failing on the hard cases other shops pass on.

Our solid background and decades of experience have earned the trust of agencies and independent brokers nationwide. We've built our reputation on hard-to-place and substandard cases — the ones other BGAs send away. With 45+ A-rated carriers in our portfolio and our in-house underwriting team, we'll find a solution for every type of case — that's our standard, not an exception.

Over the years, we built personal relationships with underwriters, home office staff, and product specialists at every major carrier in our network. Those relationships still drive the business today — when our case managers call, they don't sit in a queue. They get the answer.

Today, IRG works with agents in every corner of the country — from first-year producers writing their first policy to top-tier MDRT and Top of the Table advisors managing seven- and eight-figure cases. The thing that hasn't changed since 1983? Every single client gets white-glove service.

What we believe

Our values.

These aren't slogans on a wall. They're the way we make every decision.

01

Your commission is yours.

We never take a cut of your street commission. Our compensation comes from carrier overrides — period. What you earn is what you keep.

02

Relationships are everything.

Four decades of personal underwriter relationships are the single biggest reason hard cases get approved at IRG. We invest in those relationships every single day.

03

White glove, every time.

Your $50K final expense case and your $50M survivorship case get the same level of attention from us. No exceptions.

04

The agent comes first.

Every decision we make is filtered through one question: does this make life easier for our agents? If the answer's no, we don't do it.

Behind the scenes

The team that does the work.

IRG's people are what makes IRG, IRG. Here's who's actually on the other end of the phone.

Case Managers

Each case is assigned a dedicated manager who owns it from submission to issue. They know your file by name.

In-House Underwriters

Our internal UW team pre-screens every case, reviews medical records, and prepares cover letters before submission.

Carrier Liaisons

Specialists assigned to specific carriers. They know each carrier's quirks, niche programs, and key decision-makers.

Illustration Specialists

Need a complex IUL design? Survivorship illustration? Our illustration team builds them — fast, accurate, custom.

Marketing Team

Co-branded materials, lead-gen support, agent recruitment collateral — done-for-you marketing that drives production.

Compliance & Licensing

From state appointments to AML training to carrier-specific compliance — our team keeps you appointed and current.

Advanced services

Beyond the standard.

Our specialty isn't just placing easy cases — it's everything around them. Below are some of the advanced strategies and niche programs our agents bring us regularly.

Bank financing for SPIA-funded life insuranceNo outlay, big premiums — for the right HNW client.
Pension Rescue programsStrategies to extract value from underperforming or no-longer-needed pension assets.
SPIA-funded life insuranceBig sales, easy sales — a single premium that funds a large life policy.
IRA transfersStrategies to move money out of IRAs as a deductible event.
412(i) plansEasy-sale deductible-premium pension strategies for small business owners.
Survivorship with catch-up provisionsDesigns that lower the cost below competitor pricing — every time.
Foreign National InsuranceOur qualified in-house underwriters give offers that are placeable, not theoretical.
Substandard & impaired risk casesOur specialty. In-house UW pre-screens every difficult case before submission.
Maximum issue age 90We write clients other brokerages won't touch.
Guaranteed & Simplified IssuePrograms up to $2 million per life — easy underwriting paths for the right cases.
Senior settlementsHelp your senior clients monetize unwanted policies — and earn substantial commissions.
Term & Permanent spreadsheet proposalsSide-by-side carrier comparisons designed to win business.
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When you partner with IRG, you don't just get a brokerage. You get four decades of relationships, a team that treats your clients like family, and a commitment to your success that doesn't end at the first sale.

The IRG Team Insurance Resources Group