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IGP: Your Best Choice

The Industry Leader: Expertise and Stability

  • Established in 1967 – 50 years of providing global solutions
  • The world's leading multinational pooling network with the largest market share percentage in terms of number of multinational clients
  • Maintains the largest multilingual pooling department in the world
  • Client conservation rate of over 95 percent
  • Part of John Hancock U.S.A., a division of Manulife Financial Corporation. Manulife Financial and John Hancock are internationally recognized brands that have stood for financial strength and integrity for more than a century.

Broad Global Reach: We Are Where You Are

  • The IGP network operates in about 70 countries throughout the world and is still growing
  • New markets constantly being researched and evaluated
  • IGP Partners work together as a permanent, integrated network
  • IGP offices in Boston, Brussels, Singapore and Tokyo provide network support throughout the world

Network of Strong Local Partners:
Financially Solid, Reliable and Market-Leading Companies

  • Network Partners are chosen for their leadership and stability in the group insurance and/or pensions markets in which they do business
  • Each Network Partner is a reputable company, offering quality services at competitive prices
  • When selecting Network Partners, IGP management conducts a thorough assessment, evaluating each company on its financial stability, underwriting practices and quality of service
  • Network Partners have committed to IGP Network Service Standards

Account Management: Pro-active

  • Responsive and customized service: single IGP point of contact (Account Manager), backed by a strong management and support team
  • Teams of dedicated professionals focused solely on IGP account management, administration, marketing and underwriting
  • Commitment to a long-term relationship and partnership with clients and their advisors
  • Service and value oriented: objective provision of information and creative solutions
  • A system of cost-effective and prudent underwriting measures at both the local and international level
  • Active monitoring of accounts to reduce the risk of deficits and maximize financial stability

Reporting and Information Resources:
Efficient and High-Quality

  • International Experience Reports (IERs) provide detailed information by country and type of coverage in US dollars and local currency
  • Country Experience Reports – interim reports, produced in local currency
  • Country Profiles – synopsis of social security and private employee benefits practice in each country in the network
  • Network News, IGP's quarterly newsletter
  • Seminars and Training Workshops
  • Password-protected client websites provide daily updates

Product Portfolio: Diverse and Extensive

Products to maximize cash flow and manage the cost of providing employee benefits:
  • Advanced International Dividends
  • Captive Reinsurance – with Premium Transfer
  • First Year Advanced Dividend (FYAD)
  • Global Retro
  • Release of Incurred But Not Reported (IBNR) Reserves
Products to better manage risk:
  • Captive Reinsurance
  • IGP's Small Groups Pool
  • Rolling Deficit Forgiveness
  • Stop Loss

Arrangements for Any Size Account:
Large or Small

  • Larger multinational accounts are generally self-experienced; any international dividend is based on their own experience
  • Smaller, more volatile accounts generally participate in IGP's Small Groups Pool, which moderates the potential impact of adverse claims fluctuations
  • IGP's Small Groups Pool is the largest of its kind in the world – and generally, the larger the pool, the less volatile its overall experience
  • Regardless of the size of the account, available dividends can be distributed in most countries among participating operations, further reducing local plan costs

Third-Country Nationals and Expatriates: We Provide Solutions

  • Life, accidental death and dismemberment, short- and long-term disability, permanent and total disability, comprehensive medical insurance and pension plans
  • Available in a number of currencies with various optional features to meet a client's specific needs
  • Quality healthcare around the world with a range of optional medical benefits and/or cost containment features
  • IGP works with some of the leading providers of benefits for TCNs and Expats:
    • AXA PPP healthcare (via AXA Global Protect)
    • AXA France (via AXA Global Protect)
    • CIGNA International Expatriate Benefits