Foreign Nationals

Legacy protection

Preparing today can help your clients keep their legacy intact

Foreign nationals are a growing demographic in the United States. Many who regularly visit, do business, or own property in this country, may be unaware of the potential estate tax exposure they face. U.S. dollar-denominated life insurance can be used to help pay estate taxes and protect the quality of life for their family.

Transamerica understands this select customer

  • We have over 100 years in the insurance business, 20 of those in the foreign nationals' market
  • We were one of the first to focus on international underwriting with a dedicated team available to discuss cases
  • You get the option of term and permanent life insurance that you won't find with most other carriers
  • Qualified residents of A and B countries are eligible for our best risk classes

We make it easy to do business with us

You will have a team of knowledgeable and experienced underwriters at your service and can look forward to fast turnaround times.

Key program highlights

Preparing today can help your clients keep their legacy intact tomorrow. Here is how it works:
• Up to best class for A and B countries
• Available to qualified residents of 47 countries
• A clear definition of required U.S. ties.
• Term and permanent life insurance available
• Minimum $1MM death benefit
• Retention and autobind is $10MM*
Premium Threshold:
• $5,000 or greater Minimum No Lapse Premium, supersedes Face Minimum(s) below
Face Amount Minimums:
• IUL: Minimum Face $250,000
• Term: Minimum Face $1,000,000
• Whole Life: Minimum Face $150,000
Multi-Applicant "Eligible Group" Scenarios
The MNLP minimum can be met on multi-applicant (husband/wife; immediate families; business partners, etc.) “eligible group” scenarios as long as at least one applicant in the group meets the basic minimum. The “eligible group” to be considered must be clearly stated by the agent at time of submission(s). An “eligible group” must demonstrate an obvious, common relationship between/among the applicants (“same gent”/”same agency” cannot be one of the criterion). Bulk submission of otherwise unrelated cases also
cannot be used to meet the minimums established herein. Underwriting reserves sole discretion to judge the validity of an “eligible group.”

• Minimum global net worth = $1MM
• Third party financials over $3MM death benefit
• Inspection reports over $10MM death benefit
*For Transamerica Financial Life Insurance Company (TFLIC) the max face is limited to internal retention amounts only. 

Get started

Why Transamerica

We're committed to helping families build a solid foundation for today and tomorrow. Partner with a highly rated company. Learn more:

Contact Transamerica to get started

Call today to speak to a designated foreign nationals insurance sales specialist to help you explore your opportunities. You can receive materials, connect with a foreign nationals underwriter, schedule a face-to-face appointment and receive advice on your specific situation.