Global High Net Worth Individual (GHNWI) wealth surpassed US $70 Trillion.

United States life insurance products are considered a safe haven for citizens of countries who are exposed to currency risk, political unrest, and insolvent fi nancial institutions.

Foreign National Program applies for business written when the owner and/or insured are not residents of the United States. These rules apply for US citizens who travel abroad for more than 12 weeks per year.

(Solicitation and ongoing communication must occur in the United States).

GENERAL ELIGIBILITY (special circumstances will be considered):

• Applicant legally present in US for 15 days in preceding 12 months

• Established Nexus (LIFE Brokerage 1-page Fact Finder available upon request)

• App/exam/labs/ekg completed in US

• 100,000 annual income OR $2,000,000 net worth

SPECIAL PRIVILEGES

• Limited power of attorney forms available for select carriers

• Reimbursement of APS translation fees

The LIFE Brokerage underwriting team will assist you in determining resident or non-resident status and identify a carrier program that best matches the client risk profi le with the insurance company need. Contact us for our 1 page Fact Finder to help you simplify the process.

Foreign National Program

P R O D U C T A N D U N D E R W R I T I N G S T R A T E G I E S F O R H I G H N E T W O R T H F O R E I G N N A T I O N A L S

Your partner in life planning.lifebrokeragellc.com2 CENTRAL AVENUE | HAMMONTON, NJ 08037 T. (609) 613-4000 F. (877) 226-4775

Term: Income replacements & business purpose

Max funded WL/IUL/VUL for accumulation & retirement income

Living benefi ts to be used in both US and abroad

Death Benefi t coverage for Estate Tax (non-resident get $60,000 exemption)

Gift tax planning between spouses ($152,000 maximum lifetime gifting)

Premium fi nance permitted

CONCEPTS / PRODUCTS

1

2

3

4

5

6