Our Products

Every product. Every client need.

From simple term coverage to complex estate planning solutions — we have the product, the carrier, and the underwriting expertise to make it work.

Our specialty

Substandard and medically difficult cases are where we shine.

It's easy to place a clean, healthy applicant — any BGA can do that. The real test is what happens when your client has diabetes, a cardiac history, prior cancer, mental health treatment, or has been declined before. That's where our in-house underwriting team makes the difference: we pre-screen, position, and shop every difficult case to secure better offers than agents can get on their own.

In-house Underwriting team pre-screens every case

Informal inquiries Shopped to multiple carriers before formal submission

We don't give up Declined cases are reshopped until we find a home

Standout capabilities

What sets our product roster apart.

Before the deep dive on each product line, here's a quick look at the specific carrier capabilities and niche programs that put IRG ahead of standard brokerages.

$5M

Instant Issue up to $5M

Instant approval up to $5M face — no exam, no waiting, no APS for qualifying applicants.

Including Ethos A fully digital, consumer-driven process with zero human intervention — offering term, IUL, final expense, and guaranteed issue products for the mass market.

$10M

Accelerated / Agile Underwriting

No-medical underwriting up to $10M on select products. Decisions in days, not weeks.

$300M

HNW Coverage

Exam-free up to $65M for qualifying applicants. With a medical exam, we place coverage up to $300M.

$100K

Simplified & Final Expense

Simplified-issue and final expense products up to $100K. Streamlined questions, fast approvals.

Cigar & Marijuana — Preferred Rates

Preferred non-tobacco rates for occasional cigar smokers. Preferred classes available for marijuana users — we know which carriers and which states qualify.

Table Shaving Programs

Table C cases routinely come back as Standard, Standard Plus, or even Preferred with the right carrier and positioning.

Cancer Survivors — Preferred Possible

Certain cancers in remission can qualify for preferred ratings with carriers that have specialty programs. Our in-house UW knows which.

Crypto Counted as Net Worth

Select carriers recognize cryptocurrency holdings — Bitcoin and major coins — as net worth for financial UW on large-face cases.

All capabilities subject to carrier underwriting and client qualification. Your case manager will identify which carriers offer the best match for each client profile.

Term IUL / UL GUL Whole Life Final Expense Survivorship Impaired Risk LTC Disability Life Settlements Premium Financing Group Life Annuities

Term Life Insurance

The most affordable way to provide significant coverage for a specific period — typically 10, 20, or 30 years.

Best forYoung families, mortgage protection, income replacement

Typical face amounts$250K – $5M+

Premium structureLevel premiums for the term length

Run a term quote

Why agents choose IRG for term

Accelerated underwritingMany carriers offer no-exam options up to $3M for healthy applicants. Decisions in days, not weeks.

Best-priced carriers, in one placeWe shop your client across 15+ term carriers to find the lowest premium for their specific health profile.

Convertible optionsTerm policies that convert to permanent without new underwriting — locking in insurability for life.

Riders that matterLiving benefits, return of premium, child riders, disability waiver — we know which carriers excel at which.

Pacific Life Protective Banner Life Lincoln Legal & General +10 more

Cash value growth

Indexed & Universal Life

Permanent coverage with cash value — indexed strategies (IUL) tie growth to market indexes with downside protection, while traditional UL offers fixed declared rates. Both deliver flexibility and tax-advantaged accumulation.

Best forTax-advantaged growth, supplemental retirement, business owners

Typical face amounts$500K – $10M+

Premium structureFlexible — premiums can be paid in lump sums or over time

Run an IUL illustration

Why IUL has become a top seller

Indexed growth, no market lossCash value credited based on S&P 500 (or other indexes) with a 0% floor — never lose value to market downturns.

Tax-advantaged accessCash value grows tax-deferred. Properly structured policies allow tax-free policy loans in retirement.

Flexible premium designMin-fund, max-fund, or somewhere in between. We design illustrations around your client's cash flow.

Living benefits standardMost modern IUL products include chronic, critical, and terminal illness acceleration at no additional cost.

Pacific Life Nationwide Symetra Lincoln Allianz +6 more

Permanent guarantees

Whole Life Insurance

Permanent coverage with guaranteed cash value growth, guaranteed premiums, and guaranteed death benefit — the gold standard of life insurance.

Best forEstate planning, legacy, infinite banking, conservative clients

Typical face amounts$100K – $10M+

Premium structureLevel lifetime premiums or limited-pay (10, 20, age 65)

Run a WL illustration

The whole life advantage

Three guaranteesGuaranteed death benefit, guaranteed cash value growth, and guaranteed level premiums for life.

Dividend potentialParticipating whole life from mutual carriers earns annual dividends — historically paid every year for 100+ years.

Paid-up additionsDividends and additional premiums can purchase paid-up insurance, accelerating cash value and death benefit growth.

Policy loansAccess cash value via loans without disrupting the policy. The "infinite banking" strategy in action.

MassMutual Penn Mutual Guardian Mutual of Omaha Ohio National

Simplified issue

Final Expense

Small-face permanent coverage designed to pay for funeral costs, end-of-life expenses, and final debts — with simplified or guaranteed issue underwriting.

Best forSeniors 50–85, those wanting peace of mind for loved ones

Typical face amounts$5K – $50K

Premium structureLevel premiums for life

Run an FE quote

What makes final expense different

No medical examSimplified underwriting — health questions only. Many carriers approve in minutes via voice signature.

Guaranteed issue availableFor clients who can't qualify medically — coverage with no health questions at all (graded death benefit).

Day-one coverageLevel benefit products provide full coverage from day one — no waiting periods for healthy applicants.

Easy client conversationAffordable monthly premiums, clear purpose. One of the easiest products to position with senior clients.

Mutual of Omaha Royal Neighbors Aetna Liberty Bankers Gerber Life +8 more

Joint policies

Survivorship Life

A single policy covering two lives — typically spouses — that pays out only at the second death. Cost-effective coverage built specifically for estate planning.

Best forEstate tax planning, wealth transfer, special needs trusts

Typical face amounts$1M – $50M+

Premium structureLower than two individual policies — pays on second death

Quote a survivorship case

Why survivorship works for HNW estate planning

Lower premiumsInsuring two lives and paying on the second death is significantly cheaper than two individual permanent policies.

Easier underwritingOne spouse healthy, one spouse rated? Survivorship is often the only path to coverage — and at favorable rates.

Estate liquidityProvides cash exactly when needed — at the second death — to pay estate taxes without forcing asset sales.

ILIT-friendlyMost survivorship policies are structured to be owned by an irrevocable life insurance trust for maximum tax efficiency.

John Hancock Lincoln Pacific Life Prudential Nationwide

Our specialty

Impaired Risk

Difficult health histories, complex medical files, prior declines — the cases other BGAs send away. This is where IRG's four decades of underwriter relationships earn their keep.

Best forCardiac, diabetic, cancer survivor, mental health, aviation, lifestyle

ApproachInformal inquiries to multiple carriers before formal submission

OutcomeBest possible offer from the right carrier on the first formal app

Discuss a tough case

How we get impaired cases approved

Direct underwriter accessWe call underwriters by name. They review your client's file informally before any formal app is submitted.

Informal inquiriesAnonymous submissions to 3–5 carriers simultaneously to find the most favorable offer before committing.

Rating reductionsWhen initial offers come back rated, we advocate with medical evidence to get ratings reduced or removed.

Medical record reviewOur in-house team reviews APS records before submission and prepares cover letters that frame the file positively.

Tough case in mind?

Send us the medical details before submitting an application. We'll tell you who will offer the best terms, and what to expect. No obligation.

Guaranteed permanent

Guaranteed Universal Life

Permanent coverage with guaranteed death benefit to a specified age — typically 90, 95, 100, or 121 — at premiums significantly lower than whole life. The most efficient way to lock in permanent coverage.

Best forClients who want permanent coverage at the lowest cost, estate planning, GUL stacking strategies

Typical face amounts$100K – $20M+

Premium structureLevel premiums with guaranteed death benefit to chosen age

Run a GUL illustration

Why GUL bridges term and whole life

Guaranteed death benefitUnlike traditional UL, the death benefit is guaranteed to a specified age — no premium increases, no policy lapse risk.

30–50% lower than whole lifeFor clients who want permanent coverage but don't need cash value accumulation, GUL is dramatically more efficient.

Choose your guarantee periodPay for coverage to age 90, 95, 100, or 121 — match the cost to the client's actual need.

Pure death benefit playBest for clients focused on legacy or estate liquidity, not cash value or living benefits.

Protective Lincoln John Hancock North American Pacific Life

Health protection

Long-Term Care & ABLTC

Coverage for nursing home, assisted living, in-home care, and other long-term care needs. Available as traditional standalone LTC, or as Asset-Based LTC (ABLTC) — hybrid strategies that combine life insurance or annuities with built-in LTC benefits.

Best forAges 45–80, asset protection, retirement income preservation

Structure optionsStandalone LTC · Life-based ABLTC · Annuity-based ABLTC

Carrier partnersPlenty of A-rated LTC and ABLTC carriers — your case manager will match the right one to your client's needs

Discuss an LTC case

Why agents bring LTC cases to IRG

Multiple structures, one sourceStandalone, life-based ABLTC, and annuity-based ABLTC — we design the structure that fits your client's tax situation and risk tolerance.

Plenty of carrier optionsEstablished relationships with the leading LTC and ABLTC carriers. Most clients qualify with at least one.

Underwriting expertiseLTC underwriting is uniquely strict. Our in-house team pre-screens and positions cases for the best outcome — and many cases declined for traditional LTC qualify for ABLTC instead.

Asset-Based LTC (ABLTC)

Not "use it or lose it."

Traditional LTC means paying premiums for years and possibly never needing care. ABLTC solves that — clients get LTC protection they may actually use, with a guaranteed death benefit or return of premium if they don't.

Life-Based ABLTC

Life Insurance + LTC Rider

A life insurance policy with an LTC rider that accelerates the death benefit for qualifying chronic-illness care. If the client never needs LTC, the full death benefit pays out to heirs.

Guaranteed death benefit if LTC unused
2x–6x leverage on premium dollars in LTC benefits
Single-pay, 5–10 pay, or annual premium structures
1035 exchange eligible from existing life policies
Tax-free LTC benefits under IRC §7702B

Annuity-Based ABLTC

Annuity + LTC Benefits

A deferred annuity with built-in LTC benefits — your client's repositioned cash grows tax-deferred, with multiplied LTC dollars available if needed. If LTC is never used, the annuity remains as an asset.

Tax-deferred growth on the underlying annuity
2x–3x LTC benefit leverage over annuity value
1035 exchange eligible from existing annuities
Easier underwriting than standalone LTC
Strong fit for repositioning CDs, money market, NQ annuities

Repositioning a CD, money market, or non-qualified annuity?

ABLTC is one of the most powerful repositioning strategies in our toolkit. A lump sum that's sitting idle can become 3–6x its value in LTC protection — plus tax-advantaged growth or a tax-free death benefit. Send us the client profile and we'll model it side-by-side with the status quo.

Income protection

Disability Insurance

Individual and group disability income coverage — protecting your client's most valuable asset: their ability to earn an income. Short-term, long-term, and supplemental options across professional, executive, and small business markets.

Best forPhysicians, executives, small business owners, high earners

Coverage typesIndividual DI, group DI, business overhead, key person, buy-sell DI

Carrier partnersPlenty of A-rated DI carriers — matched to occupation class and benefit need

Discuss a DI case

Where DI gets complicated — and where we help

Occupation class mattersPhysician, attorney, dentist, executive — each has different definitions of "own occupation" coverage. We know which carriers offer the strongest definitions for each.

Stacking strategiesIndividual DI + group DI + supplemental — properly stacked, your client can replace 70–80%+ of income. We design these layered solutions.

Business DI solutionsBusiness overhead expense, key person DI, disability buy-sell — protecting the business if a partner is disabled.

Medical underwriting expertiseDI underwriting is even tougher than life. Our in-house team knows which carriers will be most receptive to which medical histories.

Asset monetization

Life Settlements

When a client no longer wants or can afford their existing policy, selling it to a third-party buyer can be far more valuable than lapsing or surrendering it. We work with both private and institutional buyers to maximize value.

Best forClients 65+ with existing policies they can't afford or no longer need

Typical face amounts$100K – $25M+

Buyer networkPrivate investors and institutional life settlement providers

Get a settlement valuation

How life settlements work

Cash value vs settlement valueMost clients are surprised — settlement value is often 3-8x the cash surrender value, sometimes much more. We help clients see the difference.

Private + institutional buyersWe don't sell to just one buyer — we shop the policy to multiple buyers, including private investors and large institutional providers, to maximize value.

Free valuationSend us policy details and current health summary. We can give you a ballpark range before committing to anything.

Client protectionSettlement transactions are regulated and require client consent at every step. We handle the process so your client is protected and informed throughout.

Have a client considering a lapse or surrender?

Before they do, let us run a free settlement valuation. Many clients walk away with significantly more than they would have received from the carrier — and you keep the relationship.

HNW strategy

Premium Financing

Leverage strategies for high-net-worth clients funding large-face permanent policies. Use bank financing to pay premiums while preserving the client's liquidity for higher-yielding investments.

Best forHNW clients ($5M+ net worth), business owners, estate planning cases

Typical face amounts$5M – $100M+

StructureThird-party bank loans collateralized by the policy & outside assets

Discuss a financing case

When premium financing makes sense

Higher-yielding alternativesIf the client's other investments earn more than the loan interest rate, financing the premium preserves capital for those higher-return uses.

Estate liquidityLarge face amounts for estate tax planning — without tying up the client's working capital.

Bank relationshipsWe work with established premium financing lenders who specialize in life insurance — competitive rates, predictable terms.

Not for everyonePremium financing carries real risks — interest rate, collateral, policy performance. We design only the cases where it actually makes sense for the client.

Considering a premium financing case?

These are complex multi-year strategies. Send us the client profile early and we'll model out scenarios, stress-test assumptions, and walk through the risks before any commitment.

Business solutions

Group Life Insurance

Coverage for businesses, associations, and groups of all sizes. Basic group term, voluntary group life, key person, executive benefits, and buy-sell funding — we design group programs that fit the business and serve the employees.

Best forSmall businesses to large employers, professional associations, partnerships

Coverage typesBasic group term, voluntary group, key person, executive bonus, buy-sell

Group sizesFrom 2-life partnerships to enterprise-level employers

Discuss a group case

Why bring group life cases to IRG

Basic & voluntary group lifeEmployer-paid base coverage with the option for employees to buy additional voluntary coverage — designed to maximize participation and value.

Key person & executive solutionsProtect the business against the loss of a key executive, or use executive bonus (162) and split-dollar arrangements to recruit and retain talent.

Buy-sell fundingLife insurance funded buy-sell agreements for partnerships and closely-held businesses — ensuring smooth ownership transitions.

Simplified group underwritingGuaranteed issue and simplified issue group programs — many participants qualify without individual medical underwriting.

Have a business client asking about group benefits?

Whether it's a 5-person professional services firm or a 500-employee operation, our group specialists can scope and quote a solution that fits the business size, budget, and benefit goals.

Retirement income

Annuities

For agents focused on retirement income, accumulation, and tax-deferred growth. We work with a broad roster of annuity carriers — including several that consistently pay some of the highest fixed and indexed rates available in the market.

Best forClients ages 45+ planning for retirement income, repositioning CDs / non-qualified assets, or seeking principal protection with growth

Product typesMYGA · Fixed Indexed (FIA) · Variable · Immediate / SPIA · Deferred Income (DIA) · Registered Index-Linked (RILA)

Why IRGDirect carrier relationships with top-rate annuity providers — including specialty carriers most brokerages don't have access to

Discuss an annuity case

Annuity product overview

MYGA — Multi-Year Guaranteed AnnuityFixed interest rate guaranteed for a set term (typically 3–10 years). The annuity equivalent of a CD — principal protected, predictable growth, ideal for repositioning maturing CDs or money market funds.

Fixed Indexed Annuity (FIA)Growth tied to a market index (S&P 500, Nasdaq, custom indices) with a 0% floor — clients participate in market upside without downside risk. Optional income riders provide guaranteed lifetime income.

SPIA — Single Premium Immediate AnnuityA lump sum converted into immediate, guaranteed income for life or a set period. Useful for clients in or entering retirement who need predictable monthly cash flow.

Deferred Income Annuity (DIA / QLAC)Income starts at a future date the client chooses. QLAC versions allow deferring income from qualified accounts past RMD age, reducing required distributions.

Variable & RILAVariable annuities offer market-linked subaccount growth with optional living benefits. Registered Index-Linked Annuities (RILAs) sit between FIA and Variable — uncapped index participation with defined buffers or floors.

1035 exchanges welcomedTax-free exchange from existing annuities to higher-rate, better-feature contracts. We handle the carrier-to-carrier coordination — common scenarios include leaving variable annuities for FIAs, or moving older low-rate contracts to current-rate MYGAs.

We have access to some of the highest annuity rates in the market.

Rate environments shift constantly, but our carrier roster includes specialty annuity providers that consistently lead the market on MYGA and FIA rates. If you're comparing carriers for a case, send us the parameters — we'll model side-by-side options across our roster and surface the best rate plus the right contract features for the client's situation.

Who is this for?

Common annuity client profiles.

Accumulator

Pre-retirees 45–65

Looking for tax-deferred growth and principal protection. Likely candidates for FIA, MYGA, or RILA depending on risk tolerance and time horizon.

Repositioning CDs, money market, or low-yield savings
Maxed out qualified retirement contributions
Seeking market upside without downside risk

Income

Retirees 65+

Need guaranteed lifetime income, not just accumulation. SPIA, DIA, or FIA with income riders are typically the right fit.

Converting a 401(k) or IRA into reliable monthly income
Pension replacement strategies
Covering essential expenses with guaranteed income