Agent access

The IRG Resource Library.

Everything you need to write more business — product info, underwriting guides, carrier contacts, cheat sheets, forms, and questionnaires. All in one place.

/

Open access

Quick-access tools and resources available to anyone — no login required.

Forms & Apps

Carrier applications, supplemental forms, and replacement paperwork — searchable across our full carrier roster.

Launch forms portal

Underwriting Questionnaires

Impaired-risk intake forms by condition — diabetes, cardiac, oncology, and more. Pre-screen cases before submission.

View questionnaires

eApps

Direct access to our quoting, illustration, and electronic application platforms — covering all major carriers.

View eApp portals

Product Info

Full overview of every product we place — Term, IUL/UL, GUL, Whole Life, Final Expense, LTC, Settlements, and more.

View product library

Carrier Customer Service

Customer service phone lines for every carrier — for policyholders and clients managing existing policies.

View carrier directory

Members only

Available to contracted IRG agents. Log in to access, or contact us if you're not yet contracted.

Cheat Sheets

Quick-reference one-pagers by carrier and product — built for fast in-meeting recall.

Log in or contact us

UW Guides

Full carrier underwriting manuals — appetite guides, build charts, condition-specific guidelines.

Log in or contact us

Marketing Tools

Co-branded brochures, email sequences, social templates, and full marketing kits.

Log in or contact us

Agent Training

Self-paced courses, live webinars, sales scripts, and CE-eligible coursework.

Log in or contact us

Electronic applications

eApps & quoting tools.

Run quotes, complete electronic applications, and manage cases through our integrated carrier platforms. Single sign-on for contracted agents.

Quoting Platform

Run live quotes for Term, GUL, and simplified-issue products across our carrier roster. Powered by iPipeline.

Advanced Illustrations

Advanced illustrations for IUL, UL, Whole Life, Survivorship, and custom case designs. Powered by WinFlex.

eApp Submission

All-in-one platform for submitting eApps with e-signature, accelerated UW, and instant-issue support. Powered by iGO.

Marketing & lead support

Marketing tools.

Done-for-you marketing materials, co-branded collateral, and lead-generation resources to help you build pipeline and close more business.

Co-branded brochures

Carrier marketing materials with your name, license, and contact info on every piece. Print and digital versions.

Email campaigns

Pre-written email sequences for prospecting, case follow-up, and client retention — customizable for your style.

Client presentations

Customizable decks for needs analysis, product comparisons, and high-net-worth case design conversations.

Social media templates

Pre-built LinkedIn, Instagram, and Facebook content templates focused on driving qualified inquiries.

Landing page templates

Lead-generation landing pages for term, IUL, FE, and DI prospecting campaigns.

Niche marketing kits

Physician market, business owner market, HNW estate planning — full marketing kits for each vertical.

Agent training

Training & development.

From new producer fundamentals to advanced sales strategy — courses, webinars, and live training sessions designed to grow your practice.

New agent onboarding

Self-paced course covering product fundamentals, the IRG process, and how to run your first cases efficiently.

Live webinars

Weekly product spotlights, carrier updates, and sales strategy sessions led by our case design team.

Recorded library

Full archive of past webinars — IUL design, advanced underwriting, HNW case strategy, business insurance.

Sales scripts & objection handling

Tested scripts and objection responses by product line, from fact-finding through close.

CE-eligible courses

Approved continuing education courses for license renewal across most states.

1:1 mentoring

Schedule a session with a senior IRG case manager to work through a specific case or sales challenge.

Product information

Product info & specs.

View all 42

Term Life Product Comparison 2025

Side-by-side comparison of all 15 term carriers including rates, riders, and conversion options.

Updated 2 days ago 847 downloads

IUL Index Strategy Guide

How indexing strategies differ across Pacific Life, Nationwide, Symetra, and Allianz IUL products.

Updated 1 week ago 512 downloads

Whole Life Dividend History

20-year dividend history for MassMutual, Penn Mutual, Guardian, and Ohio National.

Updated 3 weeks ago 389 downloads

Final Expense Carrier Quick Reference

FE carrier matrix: age bands, face limits, day-1 vs graded benefits, exam requirements.

Updated last month 724 downloads

Underwriting guides

UW guides by carrier.

View all 38

Pacific Life

Build chart, cardiac, diabetic, lifestyle. Includes accelerated UW thresholds.

Protective Life

Niche programs: aviation, foreign travel, mental health, marijuana use.

Prudential

Best-in-class for nicotine alternatives, cancer survivors, complex impaired risk.

Lincoln Financial

Term, IUL, and survivorship underwriting. Recent program updates for HNW cases.

John Hancock

Vitality program details, survivorship UW, alternative tobacco classifications.

Symetra

Accelerated UW limits, simplified issue thresholds, lifestyle considerations.

For policyholders

Carrier customer service.

General customer service lines for clients with active policies who have questions about their coverage, premium payments, or policy details. For anything case-related or in-process, please contact your IRG case manager.

Carrier

Customer service

Hours

Pacific Life

Mon–Fri · 5am–5pm PT

Lincoln Financial

Mon–Fri · 8am–6pm ET

Prudential

Mon–Fri · 8am–8pm ET

John Hancock

Mon–Fri · 8am–7pm ET

Protective Life

Mon–Fri · 8am–5pm CT

Mutual of Omaha

Mon–Fri · 7am–6pm CT

Customer service numbers are listed for policyholder convenience. Please verify the most current numbers on your carrier's official website or policy documents.

Quick reference

Cheat sheets & quick refs.

Build chart cross-reference

How each carrier classifies the same height/weight — find the most favorable carrier for overweight cases.

Cardiac case positioning

Best carriers by event type, time since event, and current treatment.

Diabetic underwriting matrix

Type 1, Type 2, A1c thresholds, treatment, complications — by carrier.

Mental health UW

Anxiety, depression, ADHD, bipolar — which carriers handle each best.

Aviation cases

Private pilot, commercial, hours flown, aircraft type — carrier appetite chart.

Marijuana use guide

Recreational vs medical, frequency, state legality — current carrier positions.

Pre-screening

Questionnaires

Have your client complete the relevant questionnaire before submission. We use the responses to inform informal inquiries.

Cardiac history questionnaire Diabetes questionnaire Cancer survivor questionnaire Mental health questionnaire Aviation questionnaire Foreign travel questionnaire

Applications

Forms & apps

Carrier-specific applications, supplementary forms, and state-specific documents. Always check for the most recent version.

Pacific Life application packet Lincoln Financial term app Prudential IUL packet HIPAA authorization (universal) State-specific disclosures 1035 exchange forms