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Small Groups Pool

General Requirements:

  • Less than 1,000 pooled lives
  • No minimum number of pooled contracts
  • No minimum number of employees
  • No minimum premium required
  • International year ends June 30

Poolable Group Coverages:

  • Death Benefits
  • Disability Benefits
  • Accident Benefits (riders)
  • Survivors' Benefits
  • Medical Benefits
  • Insured Pension Benefits

Generally, smaller, more volatile accounts participate in IGP's Small Groups Pool, which was designed to allow small and growing multinational companies to take advantage of pooling, while at the same time being protected from wide fluctuations in claims experience they would otherwise not be large enough to absorb on their own.

The Small Groups Pool helps protect these accounts by combining their experience to form one very large, more predictable pool. Each year, the participants' experience is combined to determine a net surplus – negative contributors are offset by positive contributors.

Clients whose own experience is positive, are paid an International Dividend equal to their positive result less a pro-rata share of deficits produced by other Small Groups Pool participants. If the client's overall experience is negative, the deficit is recovered by the other Small Groups Pool participants, and individual client deficits are not carried forward to the next year.

Click here to learn more about the IGP Small Groups Pool.