Larger, less volatile multinational clients are generally self-experienced.

For each policy participating in a client's International Account, positive Contributions to the International Account (CIAs) are credited, and negative CIAs are debited. If the net result is positive, it is declared as an International Dividend. If the net result is negative, it is carried forward with interest but does not affect the First Stage (local) Accounting or the payment of the normal local dividend.

While most deficits are recovered within a few years, IGP’s Rolling Deficit Forgiveness plan protects the International Account from having to carry forward a deficit indefinitely. With few exceptions, Rolling Deficit Forgiveness provides that any unit’s deficit that has not been recovered after it has been included in five International Experience Reports will be forgiven after the fifth report is completed.

Most clients receiving International Dividends elect to distribute them among their subsidiaries participating in IGP, effectively reducing the net cost of each local policy. Other clients choose to have the International Dividend paid to the parent company. The International Dividend payment can be made in many currencies either by check or wire transfer.