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.
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.
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.
Instant Issue up to $5M
Instant approval up to $5M face — no exam, no waiting, no APS for qualifying applicants.
Accelerated / Agile Underwriting
No-medical underwriting up to $10M on select products. Decisions in days, not weeks.
HNW Coverage
Exam-free up to $65M for qualifying applicants. With a medical exam, we place coverage up to $300M.
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.
Core coverage
Term Life Insurance
The most affordable way to provide significant coverage for a specific period — typically 10, 20, or 30 years.
Run a term quoteWhy agents choose IRG for term
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.
Run an IUL illustrationWhy IUL has become a top seller
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.
Run a GUL illustrationWhy GUL bridges term and whole life
Permanent & cash value
Whole Life Insurance
Permanent coverage with guaranteed cash value growth, guaranteed premiums, and guaranteed death benefit — the gold standard of life insurance.
Run a WL illustrationThe whole life advantage
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.
Quote a survivorship caseWhy survivorship works for HNW estate planning
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.
Run an FE quoteWhat makes final expense different
Specialty & living benefits
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.
Discuss a tough caseHow we get impaired cases approved
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.
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.
Discuss an LTC caseWhy agents bring LTC cases to IRG
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 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 + 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
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.
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.
Discuss a DI caseWhere DI gets complicated — and where we help
Advanced & HNW strategies
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.
Get a settlement valuationHow life settlements work
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.
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.
Discuss a group caseWhy bring group life cases to IRG
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.
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.
Discuss an annuity caseAnnuity product overview
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.
Common annuity client profiles.
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
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