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Standalone Pooling Account

General Requirements:

  • Minimum 1,000 pooled lives
  • Minimum 2 pooled contracts

Poolable Group Coverages:

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

Larger, less volatile multinational accounts are normally self-experienced and generally operate on a loss carry forward basis, whereby the international dividend is based solely on the client's own experience.

For each policy participating in an IGP International Account, positive Contributions to the International Account (CIAs) are credited, and negative CIAs are debited. If the aggregate net result is positive, it is declared as an International Dividend. If the net result is negative, it is carried forward with interest to be recovered from future positive results.

Rolling Deficit Forgiveness (RDF):

Occasionally, an account may produce a large deficit that is not likely to be recovered in a reasonable period of time. IGP's Rolling Deficit Forgiveness (RDF) protects the International Account from having to carry forward a deficit for an unlimited period.

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. From the first year that a unit's deficit is incurred, the client will know that this deficit will not be carried forward beyond five years.

Click here to learn more about IGP Loss Carry Forward Accounts.