Meet the needs of foreign national clients
We understand the challenges that residents from foreign countries face when buying life insurance in the U.S. That’s why we’ve designed a foreign national program intended to help ease the process.
Most relevant products
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Lifetime Builder ELITE
The indexed universal life product designed to help clients build for the future
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Lifetime Foundation ELITE
The IUL policy focused on death benefit guarantees
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Survivorship Builder
Insure two lives with a death benefit paid upon the second death
Start the life insurance conversation with foreign nationals
For you
For your clients
Foreign Language Materials for your clients*
Materials in Chinese
Materials in Spanish
Here’s what we’ve done to help you secure business with foreign nationals

Translated Materials

Purchasing a policy in a second language can be challenging. We have translated certain marketing materials to Chinese and Spanish so that clients can more easily learn about our products and company in their native language. More languages to come!

Removed Telephonic Inspection Requirement

Many life insurance companies hire vendors to call applicants to ask questions about finances, health and habits. These calls can be uncomfortable. We understand that foreign nationals highly value their privacy, and we have discontinued these calls for the majority of foreign national cases.

Living Benefit Riders for China and Mexico

Our products offer riders with access to valuable benefits if a client suffers a critical, chronic or terminal illness. Some carriers do not offer these benefits to foreign nationals. We went in the opposite direction and expanded the availability of benefits to “B” countries, including China and Mexico. Not available for California applications.

Limited Power of Attorney (LPOA)

We make it easy for clients who need to return to their home country before the policy is issued. An LPOA form is available to facilitate delivery of the policy in the event the foreign national is no longer in the U.S.

Worldwide Assets Considered

Our program is designed for “High Net Worth” foreign nationals, so we require a $2 million net worth. However, the assets are not required to be in the U.S. We will consider assets anywhere in the world to meet this requirement and to justify the amount of insurance coverage sought.

Innovative Approach to Case Review

Like other carriers, we have guidelines and requirements, including a list of qualifying “U.S. Connections.” But we recognize there are many great client profiles that may be overlooked when only a “check the box” rule is applied.  As a result, we apply a multi-disciplinary approach that considers a variety of factors, and we continue to explore new ways of evaluating foreign resident applicants.

Dedicated Underwriting Team

Foreign national cases are unique, and many carriers are not equipped to efficiently handle the nuances that arise. To provide a faster and smoother application process, Global Atlantic has a dedicated team of seasoned underwriters that handles only foreign national cases.

Translation Reimbursement

Global Atlantic will reimburse up to $250 for translation fees on any case that is issued and paid.

Personal Ownership Permitted

Some carriers may require that a trust or business entity own a policy insuring the life of a foreign national client.  This may result in unnecessary time and expense.  Global Atlantic will allow individual ownership of policies for residents of most countries.

High Autobind and Jumbo Limits

Global Atlantic can consider large amounts of coverage on foreign national cases. Our autobind limit is $25m, jumbo is $35m and our retention is $10m.

Premium Finance

Many carriers do not allow financing of premiums on a foreign national case. We do. Of course, there is added risk, so we require a $10 million net worth.

Questions?
Looking for Advanced Markets?

Call (855) 887-4487, option 2, to speak directly with an advanced markets representative

Email a support agent at advancedmarkets@gafg.com

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