Terms of Service.

Welcome to the website of Global Insurance Resources Group, Inc. ("IRG," "we," "us," or "our"). These Terms of Service ("Terms") govern your use of irginsurance.com and any services we provide through this website. By accessing or using our site, you agree to be bound by these Terms. If you do not agree, please do not use the site.

1. About IRG

Global Insurance Resources Group, Inc. is a licensed life insurance brokerage that helps independent agents place coverage with insurance carriers. We are not an insurance company. We do not issue policies, set premiums, or make underwriting decisions — those are functions of the insurance carrier that issues your policy.

2. Use of the website

You may use this website for lawful purposes only. By using the site, you agree not to:

• Use the site in any way that violates any applicable federal, state, local, or international law or regulation
• Misrepresent your identity or affiliation with any person or organization
• Attempt to gain unauthorized access to any portion of the site, other accounts, computer systems, or networks connected to the site
• Interfere with or disrupt the site or servers
• Use any automated means (bots, scrapers, crawlers) to access the site without our express written permission
• Use the site to transmit any malware, virus, or harmful code
• Copy, reproduce, distribute, or create derivative works of any content on the site without our written permission

3. Quotes, illustrations, and informational content

Quotes, illustrations, premium estimates, product descriptions, and any other information provided on this website are for general informational purposes only. They are not offers of insurance, guarantees of coverage, or binding agreements.

Actual insurance coverage is provided by the insurance carrier under the terms of an issued policy, subject to:

• Underwriting approval by the insurance carrier
• Truthfulness and completeness of all information you provide on a formal application
• Payment of premium
• State availability and other policy-specific conditions

Premiums and rates shown are subject to change without notice and may differ from the final premium offered by the carrier after underwriting.

4. Agent contracting and the Agent Portal

Some features of this site — including the Agent Portal, the resource library, and certain quoting tools — are available only to insurance agents who are contracted with IRG. Eligibility for these features is at IRG's discretion.

Agents using the Agent Portal agree to:

• Maintain the confidentiality of any login credentials
• Use the portal only for lawful and legitimate business purposes related to IRG-placed business
• Comply with all applicable insurance laws, regulations, and carrier requirements
• Not share access credentials with any unauthorized person

IRG may suspend or terminate access to the Agent Portal at any time for any reason, including violation of these Terms or termination of the agent's contract with IRG.

5. Third-party services and links

This site links to third-party platforms, including iPipeline, iGO, WinFlex, and others, for quoting, illustrations, and electronic applications. These services are operated by independent companies under their own terms and privacy policies. We are not responsible for the content, availability, or practices of any third-party service.

Insurance carriers referenced on this site are independent companies. Mention of a carrier on our site does not imply endorsement, affiliation, or any guarantee of specific product availability.

6. Intellectual property

All content on this website — including text, graphics, logos, photographs, videos, and the overall design — is owned by or licensed to IRG and is protected by copyright, trademark, and other intellectual property laws. The "IRG" name, logo, and related marks are trademarks of Global Insurance Resources Group, Inc.

You may not use any content from this site for commercial purposes without our prior written permission. You may print or download materials for your own personal, non-commercial use, provided you do not modify them or remove any proprietary notices.

7. Disclaimers

The site and all content on it are provided "as is" and "as available," without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The site will be available, uninterrupted, error-free, or secure
• Information on the site is complete, accurate, current, or reliable
• The site is free of viruses or other harmful components

Your use of the site is at your own risk.

8. Limitation of liability

To the fullest extent permitted by law, IRG and its officers, directors, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the site, including lost profits, loss of data, or business interruption, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to the site or these Terms will not exceed one hundred U.S. dollars ($100).

9. Indemnification

You agree to indemnify, defend, and hold harmless IRG and its officers, directors, employees, and affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the site, your violation of these Terms, or your violation of any rights of another party.

10. Governing law and disputes

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any disputes arising out of or relating to these Terms or your use of the site will be resolved in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts.

11. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. Your continued use of the site after changes take effect constitutes your acceptance of the updated Terms. If you do not agree to the changes, please stop using the site.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

13. Contact us

Questions about these Terms? Reach us at: